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How much to invest every month at the age of 50 you should have 10 crore rupees

Many people start retirement planning at a very young age. It is not known where to invest so that they can have crores of rupees.

As people age, their ability and desire to work decreases. But despite the reluctance, many people work till the age of 60 because they need to earn an amount that is sufficient for their retirement life. Generally, this is not possible before the age of 60. Since the average life expectancy has increased significantly in India, there is a need to accumulate a corpus that is sufficient for a retirement life of at least 25 years. But if you are planning to retire early like by the age of 50 you need to get a huge corpus.

Many people continue to pursue their dreams even after retirement, for which they need to accumulate a huge corpus. The point to note here is that to maintain your current lifestyle even after retirement, you have to keep inflation in mind and save accordingly.

If you are 30 years old and your household expenses are Rs 50,000 per month (Rs 6 lakh per annum), then at the time of retirement (50 years of age) you will get Rs 1,32,665 per month or Rs 15.92 lakh for the same lifestyle. year would be required. Here we have assumed an average inflation rate of 5% over the next 20 years. If the inflation rate remains above 5%, the amount required at the time of retirement will increase further. Financial planners say that early retirement (at the age of 50) is possible if one starts investing at a young age and continues it without any hitch till retirement.

Where to invest for retirement
When it comes to accumulating retirement funds, people generally go safe and prefer interest-risk-free instruments like fixed deposits or PPF, which currently offer 6 to 7.5% returns. And it is also not tax efficient. Financial planners say that since retirement is a long-term goal, one can take equity exposure to get better returns, which will help you accumulate a large retirement corpus even with a small amount of monthly investment.

Financial planners say that diversified large-cap mutual funds, multicap funds, have the potential to generate annual returns of 12-15% over a long period. It can be included in your portfolio. If you are afraid of taking full exposure to equities, you can go for National Pension System (NPS) with 25:75 debt/equity exposure, which will help you earn an annual return of around 10%.

But if you are aiming for a retirement fund of Rs 10 crore by the age of 50, then there is no other option than direct equity or equity mutual funds, which can give an average return of 12-15% over a period of 20 years. Since most retail investors lack the expertise to invest directly in equities, it is safer to follow the equity mutual fund route. And for regular investments, financial planners say that the SIP mode is best suited.

How much do you need to invest every month to accumulate Rs 5 crore?
The amount you need to invest to make a deposit of Rs 10 crore will depend on the time you retire and the investment vehicle you choose. For example, your current age is 25 years and you want to retire at the age of 50, then you need to invest Rs 53,500 every month through SIP for the next 25 years to accumulate Rs 10 crore. This is assuming an annual return of 12%.

If you start after one year at the age of 26 then the required amount will be Rs 60,500. Similarly, if you delay it for another 5 years, you will have to invest Rs 101,500 every month to deposit the same amount. The amount required increases significantly with the delay in investment when the effect of compound interest is less. Here is an example of how much you need to save every month to accumulate Rs 10 crore by the age of 50, assuming that your investment grows at an annual rate of 12%.

How much do you need to invest every month to accumulate Rs 10 crore by the age of 50?

Ages Potential return         Investment amount
25 years 12%     Rs 53,224
26 years 12%     Rs 60,382
27 years 12%     Rs 68,565
28 years 12%     Rs 77,938
29 years 12%     88,700 rupees
30 years 12%     Rs 1,01,086
31 years 12%     Rs 1,15,386
32 years 12%     Rs 1,31,950
33 years 12%     Rs 1,51,216
34 years 12%     Rs 1,73,725
35 years 12%     Rs 2,00,168


What if can’t invest the required amount? Many youths will not be able to save the above amount during the start of their career as the income level is usually low during that time. Financial planners say that one can go for a step-up SIP to deposit the above amount. In Step-up SIP, youth can start with a small amount of SIP initially and then they can increase the SIP amount by a fixed percentage or a fixed amount every year to get the targeted amount. In the above example, if a person of the age of 25 years wants to deposit Rs.10 crore till the age of 50, he can start with a SIP of Rs.25,410 every month and increase the SIP amount by 10% every year till the age of 50. can increase. Similarly, for people aged 26-35,

How much step-up SIP is required to deposit Rs 10 crore till the age of 50

The thing to mention here is that you need to build an emergency fund along with your regular investments for retirement so that your retirement fund remains untouched in case of emergency like job loss, hospitalization or any pandemic. The emergency fund should be to the extent of your six months of household expenses, which includes EMI, if any. The ongoing COVID-19 pandemic has rendered many people jobless. That is why having an emergency fund is very important.

Parvesh Maurya
Parvesh Maurya
Parvesh Maurya, has 5 years of experience in writing Finance Content, Entertainment news, Cricket and more. He has done BA in English. He loves to Play Sports and read books in free time. In case of any complain or feedback, please contact me @
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