If you’re set to retire in 10 years but have little savings, this might be a good time to start building or reassessing your portfolio. Retirement is a time when you say goodbye to your employment income. During this time, you need a financial cushion to cover daily expenses and healthcare.
A steady income is also needed to support your lifestyle. That’s why early planning is key for a sustainable and independent retirement. But if you have missed that window, there is still time.
It is still possible to build a solid retirement fund of Rs 1 crore corpus. With tools such as mutual funds, NPS, or PPF and a medium to long-term investment horizon, building a Rs 1 crore corpus is not tough.
The goal can be achieved by staying committed to your investments and reorganising your financial habits. Considering you could be in a mid to senior-level role at this stage of employment, try to save a larger portion of your income towards a retirement corpus.
With a mix of assets like gold and SIPs, here’s how you can build Rs 1 crore in 10 years:
Gold Investments:
In 2025, gold rewarded investors by giving a solid, nearly 50% return amid broader economic uncertainty around the world. While the precious metal is known to give typically 10% annual returns, its impressive bull run this year shows that it can be a great addition to one’s portfolio for long-term wealth creation.
Target: Rs 40 lakh
Monthly investment needed: Rs 20,000
Investment duration: 10 years
Expected rate of return: 10%
Invested amount: Rs 24,00,000
Estimated returns: Rs 17,31,040
Total value: Rs 41,31,040
Mutual Fund Investments:
SIP amount: Rs 25,000
Investment duration: 10 years
Expected rate of return: 12%
Invested amount: Rs 30,00,000
Estimated returns: Rs 28,08,476
Total value: Rs 58,08,476
This way, you make nearly Rs 1 crore in 10 years assuming the rate of returns remains the same. If you wish, you can also opt for a ‘step-up’ SIP plan, which allows you to gradually increase your investment as your income grows.
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