Grow Wealth to ₹2.2 Crore in 20 Years: The Power of Compounding & Disciplined Withdrawals
A strategic investment approach, combining compounding, regular increments, and disciplined investments, can significantly grow wealth over time. Starting with an initial investment and following a systematic plan, one can accumulate a substantial fund for retirement and beyond.
This strategy begins with an investment of around ₹50 to 55 lakh, which, with an average annual return of 10 to 11%, can grow into a fund worth ₹1.8 to 2.2 crore over 20 years. To illustrate, starting with a monthly investment of ₹16,000 and increasing it by 6% annually can lead to a substantial fund growth.
Maintaining a disciplined investment approach, such as a regular SIP (Systematic Investment Plan), can help build a retirement corpus of ₹1.8 crore to ₹2.2 crore by age 54. After retirement, a Systematic Withdrawal Plan (SWP) can generate a regular monthly income of ₹75,000 to ₹90,000. Consistency in investments and regular portfolio reviews are crucial for long-term wealth creation.
This investment strategy, leveraging the power of compounding, step-up advantage, and flexible withdrawals, can effectively create long-term wealth. With an average return of 10 to 11%, a disciplined investment approach can grow an initial investment significantly, providing a substantial retirement fund and regular income post-retirement.
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