How a Monthly SIP Can Grow into ₹5 Crore by Age 60 – Let’s Calculate
If you are 30 years old and want ₹5 crore by the time you turn 60 then you must start saving today. The easiest way is to begin a SIP in mutual funds. SIP means Systematic Investment Plan. It helps you invest a fixed amount every month. It is safe. It is simple. It gives good returns over a long time.
If you invest ₹16500 per month for 30 years then your total investment will be ₹59.4 lakh. If your investment grows at 12 percent every year then your money will become more than ₹5 crore by retirement. You do not need a large amount to begin. You only need to invest a small amount every month. Over time this small step can lead to big results.
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SIP helps you stay disciplined. It keeps your goals on track. It protects you from market ups and downs. It uses the power of compounding to grow your money. Compounding means your money earns money and that money also earns more. That is how wealth grows slowly but surely.
This method works best for people who earn a monthly income. It is also helpful for those who do not have lump sum money. If you want to plan your future and live a stress-free life then this is the right time to start. Mutual fund SIPs are easy to start online. They are managed by experts. They come with risk but also with potential for growth.
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A good return over a long time depends on staying invested. You must not stop your SIP. You must keep investing even if the market goes down. That is how your average cost becomes low. That is how your future becomes strong.
If you want financial freedom by 60 then start SIP now. Stay consistent. Let time and compounding do the rest.
