India, June 29 -- For a 25-year-old starting out in India, building a Rs.1 crore portfolio by age 35 may seem out of reach. But is it unattainable? The short answer is no. The key is to go aggressive in the early years, which can significantly improve the odds.

When contributions are modest, portfolio growth has to do more of the heavy lifting. But when contributions are large, compounding has a larger base to work with. So, the earlier and bigger you start, the closer Rs.1 crore comes into view. That is why the first decade matters.

The first Rs.1 crore in a decade is rarely built through savings alone. It is built by combining consistent investing with an aggressive long-term strategy that allows compounding to do the heavy lifting. ...