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New Delhi: When it comes to investing your money, then every individual thinks that his money should be invested in such financial plans, from which benefits can be reaped. Therefore, Mutual Fund investments and post-office schemes are considered viable as SIPs are less risky as compared to shares and PO investment plans free from any market risk.
Starting early investment always proves beneficial for investors seeking substantial funds as compound interest becomes visible only in long term investments. As experts often say, the most important step in investing is to start early and the second is to give your money enough time to grow. Even a small monthly SIP can turn into a big retirement fund if you keep investing consistently. A 2025 report by FundsIndia Wealth Conversations states that if you invest regularly through SIP and earn around 12% annual returns, it is possible to create a fund of Rs 10 million by retirement.
To achieve your goals through SIP, the most important thing is that you start early, the sooner the investment starts, the less you will have to invest. If you start at the age of 25, then a monthly SIP of just Rs 15,396 is enough. But starting at the age of 40, more than Rs 1 lakh per month will be needed to achieve this goal. The report emphasizes one important point.
The same applies to one-time investments. If you invest Rs 1 lakh at the age of 20, then by the age of 60 it can increase to about Rs 93 lakh. If you invest the same amount at the age of 40, it will only increase to Rs 9 lakh. It takes time to grow money. The sooner you start planning for retirement, the more benefits you will get. Important note: Mutual Investments do not guarantee fixed returns, it varies as per the market conditions.
If you start SIP at the age of Rs 25, then a monthly investment of about Rs 15,000 is enough to make Rs 10 million by the age of 60. If you start at the age of 30, you will need Rs 28,000 per month. If you start at the age of 35, then Rs 52,000 per month and at the age of 40 you will need about Rs 1 lakh rupees.
