The key lesson is compounding rewards patience.
With a ₹5,000 monthly SIP and an assumed 12% annual return:
10 years: ₹6 lakh invested → ~₹11.5 lakh
20 years: ₹12 lakh invested → ~₹50 lakh
30 years: ₹18 lakh invested → ~₹1.75 crore
The striking part is that the later years can add a much larger portion of the final wealth because returns themselves begin generating returns.
genui{"learning_viz":{"type_id":"COMPOUND_INTEREST","content":"FV=PMT((1+r)^n-1)/r","initial_values":{"amount":5000,"ratePercent":12,"periods":30},"locale_override":"en-IN"}}These figures are illustrative projections, not guaranteed returns. Actual investment performance can be higher or lower.
With a ₹5,000 monthly SIP and an assumed 12% annual return:
10 years: ₹6 lakh invested → ~₹11.5 lakh
20 years: ₹12 lakh invested → ~₹50 lakh
30 years: ₹18 lakh invested → ~₹1.75 crore
The striking part is that the later years can add a much larger portion of the final wealth because returns themselves begin generating returns.
genui{"learning_viz":{"type_id":"COMPOUND_INTEREST","content":"FV=PMT((1+r)^n-1)/r","initial_values":{"amount":5000,"ratePercent":12,"periods":30},"locale_override":"en-IN"}}These figures are illustrative projections, not guaranteed returns. Actual investment performance can be higher or lower.
