Rs 5 crawl corpus SIP: You are 20, 30, or 40 years old and want to generate wealth of 5 Rs by the time you’re 50 or 60 years old. Or do you have a time frame to create a Rs 5 krole retirement corpus and want to achieve that in 10, 20, 30, or 40 years? In this situation, how much monthly SIP investment is needed to achieve the Rs 5 krole fund goal with 12% annual returns each year? See Expert Estimates –
To understand this, let us assume:
• Aim for Rs 5 crawl corpus
• Expect 12% annual returns (historically possible through equity mutual funds)
Invest monthly via SIP
•Don’t retreat during that time
SIP Investment Chart
| Current age | Resignation age | Year of investment | Required SIP (£/month) |
| 20 | 60 | 40 | £4,200 |
| 20 | 50 | 30 | £14,165 |
| 30 | 60 | 30 | £14,165 |
| 30 | 50 | 20 | £50,043 |
| 40 | 60 | 20 | £50,043 |
Chart courtesy: Rakshith HDCFP® Head Digital Sales, Goalter
What these numbers tell you
Starting at the 30-30-year horizon, there are 14,165 SIPs per month at an easy and affordable price for most professionals. It helps you retire at 5 pounds.
However, if you delay that decision by 10 years and start at 40, you will need to cough at least 50,000 pounds a month to achieve the same goal.
That’s the brutal cost of waiting.
The mathematics behind this is simple. When you give your money time to make it even more complicated, you don’t need to invest that much. Time is heavy.
How do you need to invest?
Forget flashy inventory tips and market timing. The goal here is simple. Consistency hits glow.
A wise retirement SIP should include:
• Large cap, mid cap, and small cap fund combination
• Flexy or multi-cap funds that allow active rebalancing
• Avoid excessive concentration in one sector or theme
