New Delhi, Aug. 7 -- Targeting a Rs.5 crore retirement pot is a dream shared by many, and Systematic Investment Plans (SIPs) make it achievable. By committing a fixed amount to mutual funds at regular intervals, you put the power of compounding to work-turning steady, disciplined habits into long-term wealth and peace of mind.

According to calculations based on a SIP calculator, investing Rs.15,000 every month for 30 years, assuming an average annual return of 12%, can potentially build a corpus of around Rs.5.29 crore. While actual returns may differ depending on market performance, the illustration highlights the benefits of disciplined, long-term investing.

Compounding is the process through which both the original investment and the...