# Start SIPs in your 20s to build Rs 1.76 crore by 50

2026-08-13T03:40:28+00:00 | Business & Economy | Indian Opinion Desk

Corroboration: 1 independent outlet

Starting a monthly SIP of Rs 10,000 at age 25 could grow to Rs 1.76 crore by 50, while delaying to age 35 yields only Rs 69 lakh, experts told Livemint. The difference is 10 extra years of compounding, not higher income. Gen Z has fewer financial obligations in their 20s, giving time and flexibility to build habits early, said Siddharth Maurya of Vibhavangal Anukulkara Pvt Ltd. Akshay Rao of Tata Asset Management advised building a 6-12 month emergency fund, repaying high-interest debt, then starting SIPs. Both warned against confusing investing with trading or chasing crypto and stocks promoted on social media.

## Coverage

- livemint.com <https://www.livemint.com/money/personal-finance/international-youth-day-fewer-responsibilities-longer-time-how-gen-z-can-harness-their-20s-for-wealth-creation-11786460503356.html>

Tags: Gen Z, International Youth Day, investing, personal finance, SIP, wealth creation
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