Steps to Build a 10 Crore Investment Corpus Efficiently

Let’s see how we can achieve a 10 crore corpus step-by-step.

Let us go one step at a time instead of directly thinking about achieving 10 crore because it may sound too big to achieve.

We can divide our investment period into 5 year blocks and see the progress.

Illustration

After 5 years:

Monthly SIP amount	30000
Expected/Assumed return p.a	12%
No. of years	5
Value after 5 yrs	₹ 19,26,218

After 10 years:

Initial value	₹ 19,26,218
Monthly SIP amount	60000
Expected/Assumed return p.a	12%
No. of years	5
Value after 10 yrs	₹ 82,60,870

After 15 years:

Initial value	₹ 82,60,870
Monthly SIP amount	90000
Expected/Assumed return p.a	12%
No. of years	5
Value after 15 yrs	₹ 2,18,57,801

After 20 years:

Initial value	₹ 2,18,57,801
Monthly SIP amount	130000
Expected/Assumed return p.a	12%
No. of years	5
Value after 20 yrs	₹ 4,90,64,384

After 25 years:

Initial value	₹ 4,90,64,384
Monthly SIP amount	1,75,000
Expected/Assumed return p.a	12%
No. of years	5
Value after 25 yrs	₹ 10,06,61,341

It is clear from the above illustration that you can achieve a 10 crore corpus systematically. All you have to do is to go systematically by keeping smaller targets and achieving them. Then move on to the next target.

Increase the SIP amount frequently when

1.    You get a salary increment or when you change job with a good raise

2.    You close any loans and free up some cash flow that can be routed to SIPs

You can do lump-sum investments also apart from regular SIPs. This accelerates the wealth growth.

Assumed return of 12% p.a may be on the conservative side. Our clients’ portfolios have generated much better return over the long-term. Though past performance may or may not be repeated in the future.

Disclaimer:

Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.