Making our money grow through investments like mutual funds and systematic investment plans (SIPs) are a good way to begin but are deeply dependent on the performance of stock markets.  

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Giving out huge amount towards investment at the early stage of earning is tough because the income is less too. But, the amount can be increased with the rise in income. Which means, if you are starting with Rs 500 per month in one year, this amount should rise by 10% every year to Rs 550 per month. 

This is how it works. 

For instance, you enter into SIP for an amount of Rs 5000 per month and for the time period of 20 years. Your total investment amount comes to Rs 12 lakh (Rs 5000* 240 months).

Considering rate of return at 15%, at the time of maturity, you will get Rs 75,79,775. This means, your earning on investment is Rs 63,79,775.

Even a two-year break from your Rs 1000 monthly SIP can cost you lakhs

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