Rs 100 crore goal: 28-year-old reveals his SIP strategy to retire rich — netizens react
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A 28-year-old aspiring to build a Rs 100 crore investment portfolio has shared his financial strategy on Reddit, sparking widespread discussion.In his post, the anonymous user revealed that he currently lives with his parents and has no children. For the past five years, he has been aggressively investing a significant portion of his salary. He currently invests Rs 45,000 per month via SIPs and an additional Rs 10,000 in direct equities.He also disclosed that he had been investing Rs 10,000 per month in cryptocurrencies, which has now grown to Rs 5 lakh, although he has since stopped adding to it. His current equity portfolio is worth Rs 25 lakh.'As of now, my parents have been supporting me, which allowed me to build this corpus. I'll be moving out in the next six months and will have to manage my household expenses myself. It's exciting but scary. I don't want to dip into my savings, so my SIPs might reduce or even stop — I'm not sure yet, since I don't know what my expenses will look like. Being young, I want my investments to grow rapidly but without taking excessive risks,' he wrote, asking fellow Redditors if he should focus on specific sectors.He also shared a screenshot of his mutual fund holdings , which include:One Reddit user commented that to reach a Rs 100 crore target, he would need to invest Rs 70,000 per month consistently for 30 years.Another added, 'You'll easily surpass Rs 100 crore — around Rs 118.5 crore — if you stay disciplined with your investments until age 60. Your current portfolio is about Rs 47 lakh (Rs 25L in equity, Rs 17L in mutual funds, Rs 5L in crypto). At 15% CAGR over the next 32 years, this alone could grow to Rs 41.15 crore. If you continue your Rs 45,000 monthly SIP and increase it by 10% annually, it could grow to Rs 77.5 crore. Combined, that gives you Rs 118.5 crore — assuming 15% CAGR, which is achievable.'However, not everyone was optimistic. A different commenter warned: 'The era of 15–18% compounded returns may be over. Going forward, 10–12% may be the new normal, and even below 10% beyond this decade.'
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