Retire Rich: How SIPs Can Help You Earn ₹3 Lakh/Month For Life
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Building wealth isn’t about overnight gains it’s about steady, disciplined moves. Chartered accountant and tax expert Nitin Kaushik recently shared a real-life example on X that shows how smart SIP investing can create not just a corpus, but a lifelong income stream.
Kaushik illustrated this with the case of a 35-year-old doctor who invests ₹75,000 monthly in SIPs. By adding an 8% annual step-up, the contributions grow steadily without overwhelming the investor. Over 20 years, with a CAGR of 11%, this strategy can build a massive ₹10.5 crore corpus.
The magic, however, lies in what happens after retirement. With a systematic withdrawal plan (SWP) at 5%, the doctor could comfortably draw around ₹3 lakh every month essentially a second salary that never dries up.
The X post reads, "Real Wealth Example Doctor Client (Age 35) SIP = Rs 75,000/month Step-up = 8% yearly Tenure = 20 years Return = 11% CAGR Final Corpus = Rs 10.5 Crore Post-retirement SWP @ 5% = Rs 3 Lakh/month (till lifetime)"
Kaushik calls this 'the power of systematic investing + step-ups.' It’s not just about saving, but about building a cash machine that keeps generating income long after active work stops. "This is the power of systematic investing + step-ups. Not just saving, but building a cash machine for life," Kaushik said.
The logic is simple yet powerful: Earn → Invest → Grow → Withdraw sustainably. By gradually raising your SIP amount and letting compounding do the heavy lifting, you create a pool of wealth that supports you for decades.
By investing in assets that appreciate and letting compounding do its work, your money multiplies quietly in the background. Then, with careful withdrawals, it supports you for life without eroding your base wealth too quickly.
In short, SIPs with regular step-ups are not just about securing retirement they’re about financial freedom. As Kaushik’s analysis shows, patience, discipline, and consistency can transform today’s savings into tomorrow’s lifelong income.
Kaushik illustrated this with the case of a 35-year-old doctor who invests ₹75,000 monthly in SIPs. By adding an 8% annual step-up, the contributions grow steadily without overwhelming the investor. Over 20 years, with a CAGR of 11%, this strategy can build a massive ₹10.5 crore corpus.
The magic, however, lies in what happens after retirement. With a systematic withdrawal plan (SWP) at 5%, the doctor could comfortably draw around ₹3 lakh every month essentially a second salary that never dries up.
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The X post reads, "Real Wealth Example Doctor Client (Age 35) SIP = Rs 75,000/month Step-up = 8% yearly Tenure = 20 years Return = 11% CAGR Final Corpus = Rs 10.5 Crore Post-retirement SWP @ 5% = Rs 3 Lakh/month (till lifetime)"
Kaushik calls this 'the power of systematic investing + step-ups.' It’s not just about saving, but about building a cash machine that keeps generating income long after active work stops. "This is the power of systematic investing + step-ups. Not just saving, but building a cash machine for life," Kaushik said.
The logic is simple yet powerful: Earn → Invest → Grow → Withdraw sustainably. By gradually raising your SIP amount and letting compounding do the heavy lifting, you create a pool of wealth that supports you for decades.
By investing in assets that appreciate and letting compounding do its work, your money multiplies quietly in the background. Then, with careful withdrawals, it supports you for life without eroding your base wealth too quickly.
In short, SIPs with regular step-ups are not just about securing retirement they’re about financial freedom. As Kaushik’s analysis shows, patience, discipline, and consistency can transform today’s savings into tomorrow’s lifelong income.
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