The Smart SIP Plan.💵

Retire rich even if you start late, this 12-year plan works

Age 48 & Earn ₹4 Lakh/month.🧑‍💼

Then you've got the perfect income to start building wealth.

Goal: ₹3 Cr by Age 60 

That’s just 12 years. Let’s break it down with SIPs.

SIP: Around ₹1 L/month 

Invest in mutual funds at 12–15% returns.

Try Step-Up SIP💡

Start with ₹63,000/month & increase yearly by 10%.

Where to Invest? 🤔

Flexi-cap + Multi-cap Funds = Growth + Stability.

Need Less Risk?🛡️

Try Hybrid or Multi-Asset Funds. Earn 9–12% per year.

Only 25–30% of Income ✅

You still keep ₹3 Lakhs/month for your life & fun.

Pro Tips.📲

✔️ Keep an emergency fund ✔️ Get health + life insurance ✔️ Review yearly.

Start Early, Stay Steady, Retire Rich. 

Don’t wait, SIP is the 🚀 to your golden years 🌟