Nayra Jain
Sep 10, 2025
Define your target value and timeframe before investing. For a Rs 2 crore corpus in 15 years, clarity in planning helps you choose the right schemes and develop a roadmap tailored to your financial objectives.
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Work out how much you need to invest each month. For example, a SIP of around Rs 40,000 over 15 years at 12% estimated returns can help you accumulate nearly Rs 2 crore with the power of compounding.
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Equity mutual funds can be considered for long-term wealth growth as they tend to deliver higher returns than fixed deposits, though they carry risks. Hybrid and debt funds can be added to balance risk and returns.
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Spread your money across large-cap, mid-cap and small-cap equity funds along with safer options like debt instruments. Diversification reduces overall risk and increases the chances of steady long-term growth.
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Start investing early to make compounding work in your favour. Regular SIPs over 15 years not only grow your capital but also reinvest returns, allowing exponential growth towards your Rs 2 crore goal.
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Track your portfolio every year to ensure it aligns with your target. Rebalance when required, depending on market movements or changing personal financial situations, to stay on the right path.
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Avoid making impulsive investment decisions during market fluctuations. Building a large corpus needs consistent contributions and patience to ride out short-term volatility in favour of long-term rewards.
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Along with equities, include fixed deposits, bonds, or debt funds to protect your portfolio against downturns. A balanced mix provides both growth and security for your financial journey.
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SIP calculators are valuable for estimating how much you should invest monthly. They help visualise future returns and allow you to adjust contributions according to your income and risk appetite.
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Consulting a financial planner can ensure customised strategies tailored to your goals. Professionals can suggest the right product mix, helping you minimise risks and maximise returns effectively.
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