For anyone dreaming of reaching the milestone of a crore, the journey may be more achievable than it appears. According to a strategy shared by chartered accountant Nitin Kaushik on X, the secret lies not in extraordinary earnings, but in disciplined saving and investing. With a consistent monthly contribution of just Rs 20,000, the middle-class investor can potentially accumulate substantial wealth over time, he said in a post on Twitter.
The Power of Compounding
Kaushik emphasized that creating wealth is less about sudden windfalls and more about steady, long-term effort. Many individuals start with enthusiasm but abandon their investment plans within the first three months, frustrated by modest results. However, the real transformation begins after the initial phase, when compounding quietly starts working in the background. By the sixth month, he said, tiny patterns become more predictable, and investments begin to show measurable growth.
How Numbers Play Out
To demonstrate the impact, he illustrated a scenario with a systematic investment plan (SIP) of Rs 20,000 per month, growing at an annual rate of 12 percent. In the early stages, the progress seems underwhelming—after six months, the accumulated amount is around Rs 1.25 lakh, which appears small when compared to the effort put in. Yet, with continued discipline, the figures begin to rise impressively. After a decade of consistent investing, the portfolio could grow close to Rs 46 lakh. Extending the commitment to two decades multiplies the results significantly, potentially crossing Rs 1.5 crore.
Short-Term Pain, Long-Term Gain
The lesson drawn from this example is clear: wealth-building requires patience in the short term and persistence in the long run. The first half-year is a true test of endurance, where progress feels slow and doubts creep in. But those who persevere are rewarded later, as compounding magnifies their contributions into substantial assets.
Gurmeet Chadha, Managing Partner and CIO at Complete Circle Consultants, had also shared a key lesson from his two-decade investment journey. He explained that when consistently adding monthly SIPs in mutual funds and stocks, the real magic shows up later. Nearly 70% of his gains, he revealed, came in just the last five years.
The reason: the power of compounding working over time, combined with increasing monthly contributions as income grew. His advice to investors is simple yet powerful—stay the course and avoid getting distracted by short-term market noise. Long-term consistency, he stressed, is the ultimate wealth builder.
The Power of Compounding
Kaushik emphasized that creating wealth is less about sudden windfalls and more about steady, long-term effort. Many individuals start with enthusiasm but abandon their investment plans within the first three months, frustrated by modest results. However, the real transformation begins after the initial phase, when compounding quietly starts working in the background. By the sixth month, he said, tiny patterns become more predictable, and investments begin to show measurable growth.
How Numbers Play Out
To demonstrate the impact, he illustrated a scenario with a systematic investment plan (SIP) of Rs 20,000 per month, growing at an annual rate of 12 percent. In the early stages, the progress seems underwhelming—after six months, the accumulated amount is around Rs 1.25 lakh, which appears small when compared to the effort put in. Yet, with continued discipline, the figures begin to rise impressively. After a decade of consistent investing, the portfolio could grow close to Rs 46 lakh. Extending the commitment to two decades multiplies the results significantly, potentially crossing Rs 1.5 crore.
💡 Wealth feels impossible… until it becomes inevitable.
— CA Nitin Kaushik (@Finance_Bareek) September 9, 2025
The magic? Consistency.
Most investors quit in the first 3 months because results look “too small”.
But by month 6, compounding starts to show up—habits kick in, numbers stabilize.
📊 Example:
₹20,000/month SIP @ 12%…
Short-Term Pain, Long-Term Gain
The lesson drawn from this example is clear: wealth-building requires patience in the short term and persistence in the long run. The first half-year is a true test of endurance, where progress feels slow and doubts creep in. But those who persevere are rewarded later, as compounding magnifies their contributions into substantial assets.
In my 20 years of investment journey, specially when u are adding monthly sips in MF & stocks -
— Gurmeet Chadha (@connectgurmeet) July 15, 2025
70% of gains have come in last 5 years!
Reason -compounding & higher monthly contributions as income also goes up.
DO NOT interrupt the process due to short term noise.
Gurmeet Chadha, Managing Partner and CIO at Complete Circle Consultants, had also shared a key lesson from his two-decade investment journey. He explained that when consistently adding monthly SIPs in mutual funds and stocks, the real magic shows up later. Nearly 70% of his gains, he revealed, came in just the last five years.
The reason: the power of compounding working over time, combined with increasing monthly contributions as income grew. His advice to investors is simple yet powerful—stay the course and avoid getting distracted by short-term market noise. Long-term consistency, he stressed, is the ultimate wealth builder.
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