Retirement with 1 crore

After a long back... Finally I come back to blogging.... Sorry got a little bit of Wrestlemania fever.

 Planning for the retirement is one of the important step for every individual. When you plan for your future, you have to consider the yearly inflation rate. My best guess is you have to consider atleast 6% as a inflation rate. As I already said in Power of Compounding, one should start investing early for his/her retirement. Say for example Ramesh age is 25. He wants to retire at the age of 50 with 1 crore as corpus.

To accumulate 1 crore in 25 years seems to be tough. But if he systematically invest in the best performing mutual funds he can accumulate more than one crore. Ramesh start investing Rs.10,000 every month in any of the 5 to 10  top performing diversified mutual funds for next 25 years with 12% as his annualised return, he would accumulate 1 crore at the end of his 50th age. If the mutual fund returns 15% annualised return, then he would retire with 1 crore and 50 lakhs in hand at his age of 50.

 When choosing the SIP, one no need to investigate much about the details of the mutual funds and its performance. Evaluation for every 3 years would be enough for such a long term investment. Try to pick atleast 5 to 10 top performing funds, because if 1 fund fails the other funds would help to balance your annualised return.  So start invest in any top 5 star rated mutual funds today and retire as a Crorepathi.

Be patience and reap the benefits

How to become a crorepati - Power of Compounding

Hi Dudes,

How to become a crorepati?  I want to make 1 crore?

If this is the question often strike your mind then you are at the right place.

Invest early is the golden mantra for earn a crore.

Wanna know... Check out below.

Akila starts saving when she turns 25 and invests Rs 50,000 every year. Assuming that on this she earns a return of 10% every year, at the end of ten years, Akila has been able to accumulate Rs 8.76 lakh. Now, she stops investing 50,000 per year after 10 years and does not touch the money

she lets the Rs 8.76 lakh grow and assuming that it continues to earn a return of 10% every year,s he would have been able to accumulate around Rs 95 lakh by the time she turns 60. So the Rs 5 lakh (Rs 50,000 x 10 years) he had invested in the first ten years has grown to Rs 95 lakh: even though Akila stopped investing Rs 50,000 every year after the first ten years.


At the age of 35 Kamal starts investing Rs 50,000 every year. He invests this amount every year till he turns 60, i.e. for 25 years. Assuming he also earns a return of 10% per year on his investments. At the end Kamal would have managed to accumulate Rs 54.1 lakh.

Even after investing Rs 50,000 regularly for 25 years, Kamal has managed to accumulate Rs 54.1 lakh, which is around Rs 41 lakh less in comparison to Akila. Now Akila had invested only Rs 5 lakh over the ten years she invested. In comparison, Kamal over the 25 years has invested Rs 12.5 lakh (Rs 50,000 x 25 years).

Even by investing two-and-a-half times more than Akila, Kamal has managed to build a corpus which is 43% less. This happened because Akila started investing earlier. This allowed the money to compound for a greater period of time.


 So strongest advice is to begin investing early and set up a regular plan to invest a set amount per month.