If your current salary is ₹15,000 and you want to achieve a one crore margin by investing some money from it, we have a very good plan for you. To reach one crore, you need to invest ₹3,000 monthly, which amounts to 20% of your salary. We’ll guide you through investment plans based on the returns of the past 10 years, allowing you to track performance on a chart.
Investment Plans
We’ll provide insights into the returns of various plans over the past 10 years, enabling you to make informed decisions.
| Investment Type | Return Rate (%) |
|---|---|
| Fixed Deposit (FD) | 6.0 |
| Real Estate | 6.9 |
| Corporate Bonds | 7.5 |
| EPF or PPF | 8.3 |
| GOLD | 10.4 |
| Nifty 50 | 10.5 |
| Midcap 100 | 14.2 |
| SmallCap 250 | 18.1 |
How much to invest?
If your salary is ₹15,000, you need to invest ₹3,000 every month. To achieve one crore in a shorter time frame, increase your annual investment each year by 10%, considering potential salary increments.
| Investment | Time Horizon | Initial Amount | Future Value |
|---|---|---|---|
| Fixed Deposit | 30 Years | 1.11 Cr | – |
| Gold | 25 Years | 1 Cr | – |
| Nifty 50 | 25 Years | 1 Cr | – |
| Nifty 50 & Midcap | 25 Years | 1.40 Cr | – |
Low Risk and High Returns
For those seeking lower risk and higher returns, follow this plan: invest 10% in Nifty 50, 20% in Midcap 100, and the remaining 70% in SmallCap 250. This strategy balances risk and potential returns effectively.
If you invest this way for 20 years, you can reach 1 crore, with its current value being around 40 lakhs. To reach the future value of 1 crore, you need to invest for about 30 years, accumulating approximately 6 crores.
