How Much You Need to Invest in Your 20s, 30s & 40s to Build a ₹10 Crore Retirement Corpus
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Building a retirement corpus of ₹10 crore might sound ambitious, but with the right planning and an early start, it's absolutely achievable. The key? Consistency, patience, and understanding how age affects the power of compounding. A recent report by FundsIndia breaks down how much one needs to invest monthly via SIPs at different life stages to reach this big milestone by age 60.
Start Early, Reap Big
Starting young gives your money more time to grow. If you begin SIP investments at 25, you’ll need to contribute just ₹15,000 per month to reach ₹10 crore by 60, assuming a 12% annual return. That’s the power of compounding working at its best.
Delays Cost More Than You Think
If you put off investing until you're 30, the required SIP jumps to ₹28,000 per month—nearly double. A five-year delay may seem minor now, but it can seriously dent your long-term wealth.
Now imagine starting at 40. You’ll need a whopping ₹1 lakh per month to hit that same ₹10 crore mark. That’s nearly seven times more than what you'd need at 25.
What ₹1 Lakh Can Become Over Time
Here’s how a single ₹1 lakh investment behaves over four decades at 12% annual returns:
The message is loud and clear - time is your biggest asset in wealth creation.
Don’t wait for the “right time” to invest. Whether you're 20, 30, or 40, the best time to start is now. Even small SIPs made early can grow into massive sums, thanks to compounding. The earlier you begin, the lighter your monthly financial burden - and the greater your future freedom.
Start Early, Reap Big
Starting young gives your money more time to grow. If you begin SIP investments at 25, you’ll need to contribute just ₹15,000 per month to reach ₹10 crore by 60, assuming a 12% annual return. That’s the power of compounding working at its best.
Delays Cost More Than You Think
If you put off investing until you're 30, the required SIP jumps to ₹28,000 per month—nearly double. A five-year delay may seem minor now, but it can seriously dent your long-term wealth.
Now imagine starting at 40. You’ll need a whopping ₹1 lakh per month to hit that same ₹10 crore mark. That’s nearly seven times more than what you'd need at 25.
What ₹1 Lakh Can Become Over Time
Here’s how a single ₹1 lakh investment behaves over four decades at 12% annual returns:
- Invested at 20: Grows 100x to ₹1 crore by age 60
- Invested at 30: Grows 30x to ₹30 lakhs
- Invested at 40: Grows only 10x to ₹10 lakhs
The message is loud and clear - time is your biggest asset in wealth creation.
Don’t wait for the “right time” to invest. Whether you're 20, 30, or 40, the best time to start is now. Even small SIPs made early can grow into massive sums, thanks to compounding. The earlier you begin, the lighter your monthly financial burden - and the greater your future freedom.
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