If you also think that “man should do something, so that you are full of pockets during retirement”, today we are going to tell you a formula that can change your luck. This formula is 10x21x12 formula.

What is 10x21x12 formula?

This formula suggests that if you do 10,000 SIPs every month, and continue it for 21 consecutive years, then you can get 12 % return annually. That is, a fund of crores can be made directly, not millions with small amount.

Understand calculation

Monthly Investment- 10,000

Total Investment Fair- 21 years

Total Investment- 25,20,000

Estimated return- 79,10,067

Total Fund- Rs 1,04,30,067

That is, by investing 25 lakhs, you can make a fund bigger than 1 crore. This is the magic of compounding.

Why do SIP?

SIP means Systematic Investment Plan teaches you the habit of investing with discipline. There is not much effect of market fluctuations in this. You slowly move towards financial freedom and the most important thing is that you do not need to get into the depth of the stock market.

Not to be afraid of market fall, to take advantage

The real fun of SIP is when the market falls, because you get more units at the same price. The formula of “Buy Low, Sell High” is automatically implemented in SIP. Therefore, instead of understanding the fall as a chance to understand the opportunity.

Who can do this plan?

If your salary is 50,000 or more, then SIP of 10,000 is absolutely possible. And if you start at the age of 30, you can become a millionaire by the age of 51, without any risk.

Disclaimer: (Information provided here is being given only for information. It is necessary to tell here that the investment market is subject to risks. Always consult expert before investing as an investor. Never is advised to invest money from Abplive.com.

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Jodhi, who has made a distinct identity from the zero brokerage model in the world of stock broking, has now created panic in the world of mutual funds. Established by Nitin and Nikhil Kamath, this platform started Zerodha Fund House in late 2023 and has now become a big option for investors.

7 lakh people trust and save 6400 crores

Jodhodha CEO Nitin Kamath said in a post on Thursday that it has been 18 months since the start of the fund house and during this time more than 7 lakh investors have saved a total of 6,400 crores by investing in the funds of Ajodha. Kamath says that he did not do any kind of heavy marketing, yet people showed confidence.

Nitin Kamath’s ‘Hero Fund’ Liquidcase etf

Kamath also discussed his “Hero Fund”, Liquidcase ETF, whose asset under management (AUM) has now reached 4,700 crores. He told that in just 15 months this fund has reached such a big height.

843 crore was now in April 2024, now 4700 crores reached

Kamath also shared that in April 2024, the AUM of Liquidcase ETF was only 843 crores. But now it has increased to 4,700 crores. According to him, it can be considered one of the most successful launch in the Indian Retail ETF segment. The main focus of the Jidhi Fund House is to give ordinary and affordable index funds and ETF. Their purpose is to participate in the market in a transparent manner, in which middlemen do not have a role.

It’s been 18 months since the first fund launch of @Zerodhaamc with @smallcasehqThe Idea was to offer Simple and Cost-Efficient Index Funds and ETFS and Stay Direct only. Despite not being about the amc, 7 lakh investors have Saved ₹ 6,400 Croes in Our Funds.

The Hero… pic.twitter.com/8pn5ayvywz

– nithin kamath (@nithin0dha) May 29, 2025

Disclaimer: (Information provided here is being given only for information. It is necessary to tell here that the investment market is subject to risks. Always consult expert before investing as an investor. Never is advised to invest money from Abplive.com.

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If you are thinking of investing money in the stock market at this time, then there is a great opportunity for you. After the fall of the last few months, light recovery is now visible in the market and with this some mutual funds have also given excellent returns.

Especially sectoral/themetic funds like banking, consumption and ESG have performed strongly. These funds have recorded an average increase of up to 5.07 percent, 4 percent and 2.41 percent in the last one month. Apart from this, funds of midcap and large and midcap category have also given good returns of more than 2 percent.

These funds ahead in banking sectors

If we talk about top funds, then the first in the banking sector Sundaram Financial Services Opportunities Fund, which gave a return of 6.48 percent. After this, HDFC Banking & Financial Services Fund gave 6.29 percent and Tata Banking and Financial Services Fund gave 6.16 percent return. Nippon India Consumption Fund earned 6.25 per cent, Tata India Consumer Fund 5.22 per cent and Sundaram Consumption Fund earned 5.16 per cent in consumption funds.

In ESG themetic funds, Quant ESG Equity Fund gave 3.87 per cent, ICICI PRUDINIAL ESG EXCLUSIONARY Strategy Fund by 2.85 per cent and Whiteoak Capital ESG Best-in-Class Strategy Fund returned 2.71 per cent. At the same time, in midcap category, Taurus Mid CAP Fund gave 2.82 per cent and in Large and Midcap category Invesco India Large & MID CAP Fund gave 3.56 per cent return.

Sectoral and themetic funds also have risk

It is very important to understand one thing before investment. Sectoral and thematic funds look very attractive to hear, but the risk in them is also very high. Sectoral funds invest only in one sector, such as banking or IT, if that sector goes well then it gets good profit, but if it falls, then the loss is equally faster. Thematic funds are slightly wide and are based on a particular theme, such as ESG, which may include companies from different sectors.

The biggest risk of these funds is ‘Concentration Risk’. That is, all your money bets on a few selected sectors or themes. If their performance is impaired, then your investment can also be affected badly. Therefore, these funds are not for every investor. These are more correct for those who have a good understanding of the market, have the power to take risk and can invest for a long term i.e. at least five years or more.

What should investors do

If you are a new investor or do not know from the depth of a particular sector, then it would be better to start investing with diversified equity funds or index funds first. Only the investment made with correct information and patience can increase your money safely in market fluctuations.

Disclaimer: (The information provided here is being given only for information. It is necessary to tell here that the investment in the market is subject to risks. Always consult expert before investing as an investor. Abplive.com is never advised to invest money here.)

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Best mutual fund sip: The trend of investing through SIP in mutual funds has increased rapidly in India in the last few years. In April 2016, where every month there was an investment of 3,122 crore from SIP, now this figure has increased to 26,000 crores. That is, in the last few years, there has been an increase of more than eight times.

Actually, the biggest reason for this is its simplicity, investment of a fixed amount every month, that too without worrying about the market move. This is the reason that today it has become the first choice of middle class and small investors.

44 lakh fund made of SIP

According to financial data, if an investor had been of SIP of 10,000 every month for the last 10 years, then today his investment could reach 44 lakhs. Many top equity mutual funds have given an annual return (CAGR) of more than 20 per cent in the last decade.

These top-10 funds gave the best SIP returns

According to the report of Financial Express, ‘Quant Small Cap Fund’ was at the forefront of these mutual funds, which gave a CAGR return of 24.56 per cent in 10 years. This was followed by Nippon India Small Cap Fund (22.93 percent) and Quant Els Tax Sver Fund (21.74 percent). Quant ELSS Tax Saver Fund was at number three, it has also given an annual return of 21.74 percent.

Midcap funds dominated

Quant funds were also dominated in the midcap segment. Quant Mid Cap Fund has given a return of 21.60 per cent annually. Motilal Oswal Midcap Fund has done well with a return of 21.47 percent. Apart from this, the infrastructure funds also did not lag behind.

Funds focusing on the infrastructure sector have also performed well. Among them, ICICI Prudential Infrastructure Fund has given a return of 21.37 percent annually. Whereas, Invesco India Infrastructure Fund and Franklin Build India Fund have also given a return of 20.67 percent and 20.60 percent annually. Nippon India Growth Fund has made it to the list of top 10 funds with a return of 20.38 per cent annually.

Caution and patience are important

Financial experts believe that SIP is not a guaranteed return scheme. The instability of the market definitely affects this, but in the long term, these fluctuations become average, which gives better returns better.

Who should do SIP?

SIP is considered better for those whose income is regular and who can continue investing for a long period. SIP is a sensible option for youth, employed people and investors planning big financial goals.

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Whenever we make our retirement planning, we usually guess the money in today’s value. But have we thought what will be the cost of our money after 20-30 years? Inflation gradually reduces the purchase power of money. That is, what seems cheap today can be very expensive in future.

How does inflation affect?

Understand from an example, suppose, in 2010, the price of a gas cylinder was Rs 350, but in 2025 it has increased to 1,050. That is, on average, prices have increased at the rate of 7.6 percent per annum. Similarly, in 2009, 2 liters of petrol was available for 100 rupees, but today only 1 liter is available. It is clear that inflation has reduced the strength of money about half during this period.

What do inflation figures say?

The government uses the Consumer Price Index (CPI) to measure inflation, which tracks the prices of essential things like eating and drinking, clothes, home, transport, health. In February 2025, the CPI inflation was 3.61 percent, but on an average it remains around 5 percent.

In 2013, the CPI inflation reached 12.2 per cent, while in 2017 it fell to 1.5 per cent. RBI tries to remain on a target of 4 per cent, but in reality the prices of essential things are always higher than this.

What is the real return on investment?

According to the report of Financial Express, 6 % in fixed income schemes (eg bank FD, PPF, EPFO, Post Office Savings). 8.25 percent of the annual return is received, but after reducing inflation, the real return remains only 2-3 percent. Equity-linked investment such as mutual funds gives 12 %-15 per cent annual returns, but after adjusting inflation, the real return remains between 6-9 per cent.

How to make a fund of 1 crore

Let us understand how inflation affects our savings and money price. If a 40 -year -old person wants to make a fund of 1 crore for retirement today and the rate of inflation is considered to be 5 per cent annually, then he will have to invest in 18,000 per month Mutual Fund SIP, in which he got 15 per cent annual returns.

Disclaimer: (The information provided here is being given only for information. It is necessary to tell here that the investment in the market is subject to risks. Always consult expert before investing as an investor. Abplive.com is never advised to invest money here.)

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