Retirement Planning: Every person dreams of being financially independent after retirement. In today’s times of ever-rising expenses, a retirement fund of ₹10 crore has become more of a security blanket than a luxury. Therefore, the sooner financial planning is started, the easier this goal can be achieved. Regular investments and the power of compounding help investors build a substantial corpus over the long term.

Starting investments on time is essential

People often believe that building a corpus of ₹10 crore is very difficult, but the reality is different. Time and disciplined investing make this goal easier to achieve. The earlier one starts, the smaller the monthly SIP amount, as compounding has more time to grow.

How much will be the return on investment at the age of 25?

If an investor starts a SIP at the age of 25, they have a full 35 years. During this period, by investing around ₹19,000 per month, one can accumulate a corpus of ₹10 crore by the age of 60. This indicates that the longer the investment period, the greater the return.

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SIP Returns at Age 30

If a person starts investing five years later, at age 30, the SIP amount increases to around ₹33,000 per month. The investment requirement increases rapidly with age, as the goal remains the same, but the time horizon decreases.

Investment Returns at Age 35

By the age of 35, an investor has only 25 years left. In this situation, reaching ₹10 crore requires an SIP of around ₹59,000 per month. This indicates that a late start multiplies the cost of investment.

Returns at Age 40 and 45

The situation becomes more challenging as one approaches 40. The goal remains the same, but the time for compounding is much less. This results in a monthly SIP of ₹1.09 lakh. At 45, this pressure increases further to approximately ₹2.11 lakh per month, as the investment has very little time to grow.

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Investment Returns at Age 50

If an investor doesn’t start investing until age 50, a monthly SIP of approximately ₹4.47 lakh is required to build a corpus of ₹10 crore. This clearly shows that delaying financial decisions can prove extremely costly.

Understand the Calculations Here

All calculations are based on an assumed annual return of 12%, which is typically achieved with long-term equity mutual funds. This estimate shows that the right strategy and timely decisions can secure the future.

The earlier you start investing, the easier, easier, and stress-free your retirement goal becomes.