Retirement planning is often misunderstood as a senior-citizen topic. In reality, it’s a time-and-discipline game, because the earlier you start, the easier it becomes. Even if you start late, retirement...
Read MoreWe all want to grow our wealth, but most of us chase high returns, hot stock tips, and next multibagger tips instead of building a clear wealth goal.
For someone with ₹10 lakh, the goal might be to reach ₹1 crore.
For someone already at ₹1 crore, the goal might be ₹10 crore.
If someone is already at ₹10 crore, the goal becomes ₹100 crore or legacy planning.
Compounding turns time into your biggest wealth-building partner. The earlier you begin, the more powerful your growth becomes. To show you exactly how time works in your favour, let’s look at the Systematic Investment Plan (SIP) approach to reach a target corpus of ₹10 Crore (assuming a 13% return).
Estimated Time (Yrs) | Monthly SIP Required (₹) |
10 | 4,23,171 |
20 | 96,294 |
25 | 50,088 |
30 | 26,585 |
40 | 7,689 |
Notice the difference?
To reach ₹10 Crore in 40 years, you need to invest ₹7,689 per month. But if you wait until you only have 10 years left, the monthly investment skyrockets to ₹4,23,171.
A longer investment horizon allows smaller, more affordable SIP amounts to grow significantly, proving that staying invested consistently enhances long-term returns.
Many of us delay investing, thinking we have plenty of time or preferring to spend now. However, these decisions are costly.
The ‘cost of delay’ is the wealth you miss out on because you didn’t start early.
Details | Start at 25 | Start at 30 | Start at 35 |
Time to retirement (Yrs) | 35 | 30 | 25 |
Amount invested per month (₹) | 5,000 | 5,000 | 7,500 |
Invested Amount | ₹21,00,000 | ₹18,00,000 | ₹22,50,000 |
Total corpus accumulated | ₹1,89,83,190 | ₹1,13,96,627 | ₹99,51,251 |
Cost of delayed investment | – | ₹41,78,748 | ₹90,31,940 |
As you can see, delaying costs a lot. Even if you increase your SIP later, the gap is huge. To match the amount earned by starting at 25 with ₹5,000, you’d need to invest around ₹14,300 per month if you start at 35. That’s the price of waiting just a few years.
Adjust your values and recalculate
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