New Delhi, Aug. 24 -- Aman, a 30-year-old with a high-salary corporate job, wants Rs.10 crore. He hopes to reach this target within the next 15 years. Assuming mutual fund returns average 12% annually, the maths reveals interesting possibilities.

Under a flat SIP approach, Aman would need substantial monthly investments. Starting at age 30, he'd invest for a full 15 years.

This requires around Rs.2 lakh per month throughout the period. Total invested capital would reach roughly Rs.3.6 crore over time. Investment gains would contribute an additional Rs.6.4 crore towards the target. Together, these would build the desired Rs.10 crore corpus.

However, a step-up SIP might prove more realistic for someone like Aman. Given that corporate inc...