Systematic investment plans utilize rupee cost averaging to help Indian investors steadily build long-term wealth across varied asset classes. Based on Value Research figures, historical returns range from 8% in debt instruments to over 12% in equity funds. Increasing monthly contributions from Rs 10,000 to Rs 30,000 drastically shortens the investment horizon across all categories, reducing an equity-based timeline from roughly 21 years down to 13 years.
Key points
Choosing debt funds yielding 8 percent stretches the Rs 1 crore accumulation period up to…: Choosing debt funds yielding 8 percent stretches the Rs 1 crore accumulation period up to 26 years for smaller monthly deposits.
Systematic investment plans provide disciplined wealth generation without requiring inves…: Systematic investment plans provide disciplined wealth generation without requiring investors to accurately time the market.
Raising monthly contribution levels substantially accelerates the compounding effect need…: Raising monthly contribution levels substantially accelerates the compounding effect needed to reach critical portfolio milestones.
Sources checked by our analysis pipeline: 1
Many financial planners say that building your first Rs 1 crore corpus is tough as it takes discipline and patience to reach there. Once you achieve the Rs 1 crore milestone, the impact of compounding is more visible compared to early stages of investment.
However, to achieve a Rs 1 crore corpus, the important thing is to begin from somewhere, no matter how small or big the investment amount is.
For many people seeking to reach a Rs 1 crore corpus milestone, a monthly investment can be the easiest way to begin with. They may choose a scheme which allows them to invest monthly such as the systematic investment plan (SIP) in a mutual fund. Through an SIP, they can invest in one or more mutual funds and build a corpus gradually.
What if they want to build a Rs 1 crore corpus with a Rs 10,000, Rs 20,000 or Rs 30,000 monthly SIP investment? How many years it may take? Let’s find out!
The number of years actually depends on the return you get from SIP investments. Since, the…
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