retirement fund
Whenever it comes to investing your money. Then this thought definitely comes in the mind of every common investor that his money should be invested in such a place. Where he benefits. Even if there is a loss, it should be managed. Actually, for investors with such desires, SIP and post-office schemes are considered best because the risk here is much less as compared to the stock market. Let us tell you about investing through SIP, where you can invest from the age of 25, 30-35 and 40 and create a fund of Rs 10 crore by the age of 60.
It always proves beneficial for investors looking for more funds to start investing early. Because only then the real effect of compound interest becomes visible. As experts often say, the most important step in investing is to get started and the second is to give your money enough time to grow. If you keep investing consistently, even a small monthly SIP can turn into a big retirement fund. A 2025 report by FundsIndia Wealth Conversations suggests that if you invest regularly through SIP and earn around 12% annual returns, it is possible to build a corpus of Rs 10 crore by retirement.
Start early, invest less
To achieve your goal through SIP, it is most important that you start early, the sooner you start investing, the less you will have to invest. If you start at the age of 25, a monthly SIP of just Rs 15,396 is enough. But starting at the age of 40, to achieve this goal, more than Rs 1 lakh will be required every month. The report emphasizes an important point. Time is the biggest helper in adding money. Even a delay of just five years can increase your SIP amount manifold.
Benefits of lump sum investment
The same thing applies to lump sum investment also. If you invest Rs 1 lakh at the age of 20, it can increase to around Rs 93 lakh by the age of 60. If you invest the same amount at the age of 40, it will grow only to Rs 9 lakh. It takes time for money to grow. The sooner you start planning for retirement, the more you will benefit. Small, consistent savings today can turn into a big retirement fund in the future.
SIP Calculator
At the age of 25- Monthly SIP Rs 15,396, tenure 35 years, amount after 35 years Rs 10 crore
At the age of 30- Monthly SIP Rs 28,329, tenure 30 years, amount after 30 years Rs 10 crore
At the age of 35- Monthly SIP Rs 52,697, tenure 25 years, amount after 25 years Rs 10 crore
At the age of 40- Monthly SIP Rs 1,00,085, tenure 20 years, amount after 20 years Rs 10 crore
advantage of starting early
If you start SIP at the age of 25, a monthly investment of around Rs 15,000 is enough to make Rs 10 crore by the age of 60. Starting at the age of 30, you will need Rs 28,000 every month. If you start at the age of 35, you will need Rs 52,000 every month and at the age of 40, you will need around Rs 1 lakh. Early investors get the most benefits.