๐ŸŽฏ ₹50 Lakhs in 30 Years: The Power of Goal-Based SIP with Top-Up

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๐ŸŽฏ ₹50 Lakhs in 30 Years: The Power of Goal-Based SIP with Top-Up

Published by: Wallet Investment | Date: June 8, 2025

Planning your financial future doesn’t have to be overwhelming. With a clear goal, discipline, and the right strategy, even a modest monthly investment can grow into a sizeable corpus over time.

Wallet Investment


๐Ÿ’ก The Goal: ₹50 Lakhs in Today’s Value

Imagine you're targeting ₹50,00,000 in today's terms for a major goal, such as your child’s education, a retirement fund, or a dream vacation. But due to inflation, you’ll actually need over ₹2 Cr in 30 years.

๐Ÿ” Key Assumptions

  • Target Amount: ₹50,00,000
  • Time Horizon: 30 Years
  • Expected Return: 12% per annum
  • Inflation Rate: 5%
  • Annual SIP Top-Up: 1%

๐Ÿ“Š The Outcome

Final Value: ₹2,17,21,466
Total Invested: ₹24,13,920
Wealth Gained: ₹1,93,07,546

๐Ÿ“… Yearly Investment Highlights

YearMonthly SIPYearly InvestmentTotal Invested
1₹5,783₹69,396₹69,396
5₹6,018₹72,216₹3,53,988
10₹6,325₹75,900₹7,26,036
20₹6,986₹83,832₹15,28,044
30₹7,717₹92,604₹24,13,920

๐Ÿ“˜ Key Takeaways

  • Start Early to Benefit from Compounding
  • Top-Up SIP Makes a Huge Difference Over Time
  • Always Plan with Inflation in Mind
  • Discipline in SIP = Long-Term Wealth

Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully.


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