Cost of a 15 Year Delay on a Rs 10,000 Monthly SIP over 30 Years
See the extreme case of starting a Rs 10,000 monthly SIP halfway through a 30 year horizon, after a 15 year delay, at 12% expected return.
Waiting 15 years to start a ₹10,000/month SIP over a 30 year horizon costs you ₹3,02,53,378 (85.7%) in lost maturity value.
- Monthly investment
- ₹10,000
- Expected return
- 12% p.a.
- Total horizon
- 30 years
- Delay before starting
- 15 years
Cost of delay
15 yrs delay₹3.03 Crores
₹3,02,53,378
85.7% less than starting today
Value if started now
₹3.53 Crores
₹3,52,99,138
Value if delayed
₹50.46 Lakhs
₹50,45,760
Monthly needed to catch up
₹69,
Extra required each month
₹59,
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Assumes a constant 12% annual return, compounded monthly, applied uniformly across the entire period, whether started today or after the delay. Actual investment returns fluctuate and are never guaranteed.