How to Build a ₹1 Crore Investment Portfolio in India (Step-by-Step Guide)

 

How to Build a ₹1 Crore Investment Portfolio in India (Step-by-Step Guide)

Introduction:

Building a ₹1 crore investment portfolio might sound impossible, but with the right strategies, anyone can achieve it. Let’s break it down into a simple, step-by-step plan.

1. Start with a Solid Financial Foundation

  • Have an emergency fund (6 months' expenses).

  • Avoid high-interest debt (like credit cards).

2. Invest in a Diversified Portfolio

  • Equity Mutual Funds: 50% (SIPs in Nifty 50, Flexi Cap funds).

  • Stocks: 30% (Strong large-cap & mid-cap companies).

  • Gold ETFs/REITs: 10% (For diversification).

  • Fixed Deposits/Bonds: 10% (For stability).

3. Increase Your Investment Over Time

  • Start with ₹5,000 per month in SIPs.

  • Increase SIPs by 10% every year (₹5,500 next year, ₹6,000 after that).

  • Stay invested for 15–20 years to reach ₹1 crore.

4. Stay Consistent & Avoid Panic Selling

  • Market fluctuations are normal.

  • Keep investing during crashes to buy at lower prices.

Conclusion:

Reaching ₹1 crore isn’t about luck — it’s about discipline. Start today, stay patient, and let compounding do the magic!

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