Financial independence is often associated with headline-grabbing milestones and sizeable wealth. At first glance, the idea of reaching a significant financial landmark with limited savings may appear far-fetched. Yet disciplined habits such as careful budgeting, regular investments, and long-term planning can steadily move us closer to our objectives.
For many, amassing a Rs 10 crore corpus represents a long-cherished aspiration: one that can unlock early retirement, financial security and greater control over career choices.
With India's equity markets delivering strong long-term returns, building this milestone through systematic investment plans (SIPs) is achievable. But you need to start early and stay disciplined.
If you are planning a 30-year horizon, here is the blueprint of the SIP you need to start today.
To reach Rs 10 crore in 30 years, your monthly investment depends entirely on the expected rate of return.
Here are some calculations with the assumption of 12% rate of returns:
Investing In Mutual Fund SIPs:
Monthly investment: Rs 32,500
Tenure: 30 years
Total investment: Rs 1.17 crore
Expected rate of returns: 12%
Estimated returns: Rs 8.84 crore
Maturity corpus: Rs 10.01 crore
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Most people cannot afford an SIP of over Rs 30,000 when they start their careers, but it helps to factor in annual hikes in income. In such a case, a step-up SIP will allow you to start small and increase your contribution annually.
Delaying your SIP can significantly raise the monthly amount required later. This is why beginning early, even with a smaller amount, can make the journey far more manageable.
Trying to time the market often does more harm than good. SIPs work best when investments continue through market highs and lows. Market corrections, while uncomfortable, help long-term investors accumulate more units at lower prices.
Consistency, patience, and periodic portfolio reviews matter far more than chasing short-term returns.
Reaching a Rs 10 crore corpus in 30 years is achievable for many investors, provided they start early, stay invested, and remain disciplined.
Also Read: Here's Why You Should Write A Will Long Before You Retire
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