Year-by-Year Growth
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Calculate lumpsum and SIP investment growth with year-by-year breakdown
| Year | Invested | Returns | Value |
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Mutual funds pool money from multiple investors to invest in stocks, bonds, and other securities. They are managed by professional fund managers and offer diversification, liquidity, and the potential for higher returns compared to traditional savings. In India, mutual funds are regulated by SEBI and have become one of the most popular investment vehicles.
A lumpsum investment works best when you have a large amount to invest at once, especially during market corrections. SIP (Systematic Investment Plan) is ideal for salaried individuals as it allows regular monthly investments, benefits from rupee cost averaging, and removes the need to time the market.
The longer you stay invested, the more powerful compounding becomes. For example, a monthly SIP of ₹10,000 at 12% returns grows to approximately ₹23 lakhs in 10 years, ₹1 crore in 20 years, and over ₹3.5 crores in 30 years. Starting early is the key to building significant wealth.