Finally, because returns are uncertain and largely outside an investor’s control, the more powerful lever is savings. Strong returns matter little without adequate investment contributions. Assuming a 10% annual return, an investor contributing ₹25,000 per month for 20 years would accumulate about ₹1.8 crore, while investing ₹40,000 per month would grow to roughly ₹2.9 crore. If contributions are stepped up annually–by 10% in the first case and 12% in the second–the final corpus rises significantly to about ₹3.86 crore and ₹7.37 crore respectively. In both scenarios, returns remain the same; it is the savings rate and disciplined increases that drive wealth creation.

Source: Mint February 25, 2026 05:16 UTC