Delaying your SIP by just 2 years can have a huge impact on your long-term wealth, thanks to the power of compounding.
Scenario:
- SIP Amount: ₹5,000/month
- Expected Return: 12% per annum
- Investment Tenure: 20 years vs 18 years
Comparison Table:
| SIP Start Time | Total Invested | Value After 20/18 Years | Wealth Created |
| Start Immediately | ₹12 lakh | ₹49.95 lakh | ₹37.95 lakh |
| Start After 2 Years | ₹10.8 lakh | ₹38.40 lakh | ₹27.60 lakh |
Loss Due to Delay: ₹10.35 lakh
Why This Happens:
- The first few years’ investments compound the most over time.
- A 2-year delay = loss of 2 years’ worth of compounding on every future rupee.
Key Lesson:
“Time in the market beats timing the market.”
Start now, even with small amounts like ₹500/month.
