Now Reading: Monthly SIP of ₹2 lakh needed for ₹10 crore in 15 years
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Monthly SIP of ₹2 lakh needed for ₹10 crore in 15 years
A 30-year-old salaried professional aiming for a ₹10 crore corpus in 15 years through Systematic Investment Plans would need to invest roughly ₹2 lakh per month, assuming 12% annual returns from mutual…
A 30-year-old salaried professional aiming for a ₹10 crore corpus in 15 years through Systematic Investment Plans would need to invest roughly ₹2 lakh per month, assuming 12% annual returns from mutual funds. Under a flat SIP, total invested capital would be about ₹3.6 crore, with market gains contributing the remaining ₹6.4 crore.
A step-up SIP, where the monthly contribution rises 10% annually, would start at ₹1.15 lakh per month and reach ₹4.37 lakh by the 15th year. Total investment under this model would be around ₹4.39 crore, with gains adding ₹5.61 crore.
Financial planners typically advise using conservative return assumptions of 10, 12%, not 14, 15%. The projections are pre-tax and exclude fund expenses, capital gains tax, or any pauses in contributions.
Indian Opinion Analysis
Systematic Investment Plans assume steady 12% annual returns, an aggressive assumption given that the equity market's long-term average is closer to 10, 11% before costs. The Securities and Exchange Board of India requires fund houses to publish standardised past-return disclosures precisely because forward returns are uncertain. For a 30-year-old salaried investor, a ₹10-crore goal in 15 years also implies saving roughly 40% of a high corporate salary every month. The real risk is not the maths but the sequence: a market downturn in early years can permanently reduce the final corpus unless the investor holds through the cycle. The next checkpoint for readers is their own fund's rolling-return chart over 10- and 15-year periods.
Source: livemint.com
This story was synthesised by AI from the source linked above.
