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₹10,000 SIP, ₹87 lakh corpus: Why staying invested for 20 years may be harder than the calculation suggests
Mint 1 hr ago·18 Sept 2026, 6:31 pm
A standard calculation shows that investing ₹10,000 monthly for 20 years could grow to ₹87 lakh. However, this figure relies on several assumptions that are difficult to maintain in reality. The math assumes you can keep increasing your monthly contribution as your income rises and that the market will consistently deliver high returns, which is rarely the case.
For investors, this highlights that wealth creation is not just about the starting amount or the time horizon. It requires the discipline to continue investing during market downturns and the financial flexibility to handle emergencies without disrupting your long-term plan. Staying the course is often the biggest challenge.
Moving forward, focus on building an emergency fund to protect your SIPs from being halted. Additionally, review your asset allocation regularly to ensure it aligns with your risk tolerance. Remember, the goal is to stay invested for the long term, regardless of short-term market volatility.
Key takeaways
- Category: Stocks.
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