SIP calculators often make long-term investing look straightforward like investing a fixed amount every month, staying invested for a long period, say two decades, and let compounding do the rest. But investors may find it difficult to replicate such projections in real life because their income, affordability and financial needs change over time.
According to a report by DSP Mutual Fund, a Rs 10,000 monthly SIP maintained for 20 years would have generated a terminal corpus of Rs 87.3 lakh, based on the Nifty 50 TRI for the period from September 2006 to August 2026.
