SIP for Rs 5 Crore Corpus: Are you 20, 30 or 40 years old? What should be your SIP investment to get Rs 5 crore retirement fund by 50 or 60 years of age?

SIP for Rs 5 Crore Corpus: Are you 20, 30 or 40 years of age and wants to create Rs 5 crore wealth by 50 or 60 years of age. Or, you have a time frame in your mind to create a Rs 5 crore retirement corpus and want to achieve it in 10, 20, 30, or 40 years? In such situations how much monthly SIP investment you need to achieve a Rs 5 crore fund goal at a 12 per cent annualised return. See expert estimates- 

To understand this, let us assume:
    • You aim for Rs 5 crore corpus
    • You expect 12 per cent annualised returns (historically achievable through equity mutual funds)
    • You invest monthly via SIP
    • You do not withdraw in between

SIP investment chart

Chart Courtesy: Rakshith H D CFP® Head Digital Sales, GoalTeller

What these numbers tell us
If you start at 30 with a 30-year horizon, a ₹14,165 monthly SIP easily affordable for most professionals. can help you retire with ₹5 crore.

But if you delay that decision by a decade and start at 40, you will need to cough up over ₹50,000/month to achieve the same goal.
That is the brutal cost of waiting.
The maths behind this is simple: when you give your money more time to compound, you do not need to invest as much. Time does the heavy lifting.

How should you invest?
Forget fancy stock tips or market timing. The goal here is simple: consistency beats brilliance.
A sensible retirement SIP should include:
    • A mix of large-cap, mid-cap, and small-cap funds
    • A flexi-cap or multi-cap fund to allow active rebalancing
    • Avoid over-concentrating on one sector or theme