August 26, 2025

Are you dreaming of a big retirement fund? Just starting a Systematic Investment Plan (SIP) early might not be enough—especially if your income is low at the start. But don’t worry! Here comes the superhero called the step-up SIP, ready to multiply your money and beat inflation effectively. Imagine you are 30 years old, earning Rs 40,000 monthly early in your career. You save 30% of your salary and start a Rs 12,000 monthly SIP. If you keep investing the same amount for 30 years with a 12% annual return, your money will grow to Rs 3.70 crore. Sounds great, right? But wait, inflation can shrink that amount’s power in the future. This is where the step-up SIP shines bright! By increasing your monthly investment by 8% each year on top of that 12% return, your corpus zooms to Rs 7.61 crore—more than double! Isn’t that a killer way to fight rising prices? Let’s spice it more with a Rs 20,000 monthly SIP starting at age 30. If left unchanged, this can create Rs 6.17 crore in 30 years. But with an 8% yearly boost, it rockets to Rs 12.71 crore! That means you earn an extra Rs 6.54 crore just by increasing your SIP regularly. Wow! Remember, the secret sauce is not just stepping up SIP but also choosing the right investment. Equity mutual funds, particularly large-cap ones, have proved their mettle, offering an average 12.16% yearly return over 10 years, according to Value Research data until August 2025. So, if you want a comfy retirement and want to beat inflation like a pro, start your step-up SIP today. As your income grows, so does your investment—making your dream goals within reach. It’s time to let your money work harder while you enjoy life!

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Tags: Sip, Step-up sip, Investment, Retirement planning, Inflation, Mutual funds,