- Retirement planning is essential to build a corpus that supports post-service expenses
- A corpus of Rs 10 crore can be achieved by consistent SIP investments at 12% returns
- Starting SIP at age 25 requires Rs 15,500 monthly to build Rs 10 crore in 35 years
Retirement is often called the start of your golden years, a time when you can finally relax, travel and enjoy life on your own terms. But those retirement years can only be truly peaceful if you have enough money to support your monthly expenses.
With inflation rising every year, the cost of living could be several times higher in your retirement years than it is today. People want to live a comfortable and financially secure life after retirement. That is why retirement planning plays a crucial role in building a sizeable corpus. For many investors, it could be confusing to decide how much they should invest every month to build a large corpus by the age of 60. Planning for retirement is not just about saving money, but it is also about starting early to let your money grow over time.
The size of the retirement corpus should be enough to support your post-service years, depending on your lifestyle. Building a corpus of Rs 10 crore could be suitable for many investors to meet regular expenses in retirement years.
According to the FundsIndia Wealth Conversations June 2025 report, a retirement corpus of Rs 10 crore is possible by the age of 60 if you invest consistently through a Systematic Investment Plan (SIP). Let's see how much you should invest every month in an SIP to build a corpus of Rs 10 crore over different investment horizons.
At an assumed interest rate of 12% per annum, the monthly SIP amounts will vary significantly to reach the target of Rs 10 crore over different investment tenures.
Starting early allows your investments to fetch higher returns over a long-term horizon due to the power of compounding. For instance, if you start investing at the age of 25, your investments will span over 35 years by the time you reach the age of 60. On the other hand, if you start at the age of 35, your investments will fetch returns only over a horizon of 25 years. In both scenarios, the monthly investments could significantly vary to reach the target of Rs 10 crore.
Monthly SIP To Build Rs 10 Crore in 35 years
Monthly investment: Rs 15,500
Tenure: 35 years
Total investment: Rs 65.1 lakh
Expected rate of returns: 12% per annum
Estimated returns: Rs 9.41 crore
Maturity corpus: Rs 10.06 crore
Monthly SIP To Build Rs 10 Crore in 30 years
Monthly investment: Rs 28,500
Tenure: 30 years
Total investment: Rs 1.02 crore
Expected rate of returns: 12% per annum
Estimated returns: Rs 9.03 crore
Maturity corpus: Rs 10.06 crore
Monthly SIP To Build Rs 10 Crore in 25 years
Monthly investment: Rs 53,000
Tenure: 25 years
Total investment: Rs 1.59 crore
Expected rate of returns: 12% per annum
Estimated returns: Rs 8.47 crore
Maturity corpus: Rs 10.05 crore
From the above calculations, it is clear that even a five-year difference in investment tenure can increase your monthly SIPs significantly to reach the target of Rs 10 crore.
The biggest advantage of starting your investments early is that you don't need to put in huge amounts every month. When you start young, even a small monthly investment could grow into a large corpus over the years due to the power of compounding.
Also Read: Step-Up SIP: Why Does It Make Sense In Current Volatile Market Conditions?
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