India’s salaried class faces a unique financial structure:
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Fixed monthly income
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Rising lifestyle inflation
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Limited tax flexibility
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Increasing retirement uncertainty
Yet, this same structure offers the biggest advantage: predictability.
According to long-term equity market data, disciplined equity investing in India has historically delivered ~11–13% annualized returns over extended periods.
Let’s examine the math:
If a salaried professional invests ₹12,000 per month through SIP at 12% annual return:
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20 Years → ~₹1.2 crore
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25 Years → ~₹2.0 crore
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30 Years → ~₹3.5 crore
(Approximate projections; actual returns vary)
Now consider this:
If investment increases by just 10% annually (step-up SIP aligned with appraisals), the 25-year corpus can potentially exceed ₹3 crore.
This demonstrates a key principle often emphasized by Benjamin Graham:
“The essence of investment management is the management of risks, not the management of returns.”
Strategic Framework for Salaried Investors:
✔ Emergency Fund: 6 months of expenses
✔ Term Insurance: 15–20x annual income
✔ Health Insurance: Independent of employer cover
✔ Goal-based SIP allocation
✔ Annual portfolio review
Wealth creation is not about chasing high-return products.
It is about structured allocation, risk discipline, and time.
For salaried professionals, financial independence is not accidental — it is engineered.
If you would like a structured SIP growth projection model tailored to your income level, comment “Projection” or connect.
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