The situation was such that the Sensex was trading at a decline of more than 5 percent for the first time after the Corona period, while the Nifty also fell by more than 5 percent. The possibility of lower circuit in the market has also become strong. In such a situation, market regulator SEBI has decided to stop trading for some time. However, this will happen only when a lower circuit is imposed in the market.

Market regulator SEBI has issued a proper timing, which tells when the trading in the market will be halted. During this time, there will be no buying and selling of shares. If a lower circuit is applied today, i.e. on June 4, then the trading in the market will be halted twice, while today the market will close about an hour before time.

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When will trading not take place?

Trading in the stock market will be stopped thrice today, out of which it will be closed on the third time. As per SEBI’s timing, if the first 10 percent lower circuit is hit, the trading in the market will stop at 1 pm. It will remain closed for about 45 minutes. Then the trading will resume at 1.45 pm. If the lower circuit is hit even after this, then the trading will again be stopped for 15 minutes between 2 to 2.30 pm.

Market to close after 2.30 pm

After stopping trading twice, finally the market will be closed about an hour earlier today. If a lower circuit is applied for the third time as well. This is being done for the safety of investors. According to SEBI, there will be no trading in the market after 2.30 pm on June 4. SEBI’s intention is to save investors’ money from sinking, because lakhs of crores of rupees have been lost due to the continuous fall in the market today.

What is the math of lower circuit in the market?

If Nifty falls by 2326 points, then a lower circuit will be applied. At 12.27 pm, it was trading at a drop of 1,898 points. A lower circuit is applied on a drop of 10 percent i.e. 2326 points. After this, a lower circuit will be applied on a drop of 15 percent i.e. 3489 points and then a drop of 20 percent i.e. 4653 points. All these figures are for Nifty.

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Even assuming good returns, you should be able to fulfill your intention of having 4 crores of funds by the age of 60. However, it has to be noted that the amount required for retirement is affected by your level of expenditure.

In fact, currently 40% of your investments go towards mid-cap and small-cap funds. Moreover, Nifty Next 50 is also a more volatile index and has seen decent returns over the years. Hence, increase the amount invested in Nifty 50 Index Fund to Rs 8,000 per month. Reduce the amount and invest Rs 3,000 per month in Nifty Next 50 Index Fund and Rs 4,000 per month in Axis Small Cap.

Maintain investment of Rs 5,000 each in Canara Robeco Bluechip Equity and PGIM India MidCap Opportunities. This will increase the large-cap portfolio allocation to around 52%. To further reduce the risk in the portfolio, replace the Nifty Next 50 Fund with a short duration debt fund. Review your funds and portfolio at least once a year. After this continue your investment.

Do investment planning like this

Let’s say you are 35 years old. Invests Rs 8.5 lakh in Mutual Funds (MFS) of multiple schemes and Systematic Investment Plan (SIPS). Along with this, if you invest in these funds every month, then you can fulfill your intention of 4 crore corpus fund.

1. CANARA ROBECO BLUECHIP EQUITY FUND, PGIM INDIA MIDCAP OPPORTUNITIES FUND AND AXIS SMALL CAP FUND INVEST Rs 5,000 every month
2. Invest Rs 2,000 per month in IDFC Nifty 50 Index Fund
3. Invest Rs 8,000 per month in UTI Nifty Next 50 Index Fund.
4. Employees Provident Fund (EPF) contribution 10,000 per month.
5. Has invested Rs 13 lakh in Sovereign Gold Bonds (SGBs) over the last three years
6. 6,000 per month invested in Tier II (aggressive plan) of National Pension System (NPS), with a portfolio of 10 lakhs.
7. So 4 crore may be enough for you to target your retirement fund.

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