How Rohan Built a Lifetime ₹21,000 Monthly Income by Investing for Just 3 Years
Rohan was 30 when he realised something important: “I don’t need to invest forever. I just need to invest consistently for a short time… and then let time do the heavy lifting.”
But life wasn’t giving him a 20-year runway of regular savings.
He had a wedding coming up, a home loan on the horizon, and the usual chaos that shows up in everyone’s early 30s. He knew he could not invest long-term. But he also knew he must do something.
So he made a simple plan:
Invest for 3 years.
Wait for 20 years.
That was it.
Illustration 1: Rohan’s 3-Year Investment Phase (Age 30–33)
Monthly SIP: ₹25,000
Duration: 36 months
Growth Rate: 6% per annum (conservative)
Total invested: ₹25,000 × 36 = ₹9,00,000
Value at end of 3 years: ₹9.83 lakh
He didn’t try to chase big returns. He just stayed consistent. And after 36 months, he stopped. Completely !
Illustration 2: The Waiting Years (Age 33–50)
Rohan invested nothing after age 33.
He simply kept his ₹9.83 lakh invested and let it grow silently.
Compounding Duration: 17 years and the value after 17 years ₹62.54 lakh
No extra investment.
No extra effort.
Just time + compounding.
Illustration 3: Rohan’s Lifetime Income Plan (Age 50 onwards)
At 50, Rohan did one simple thing: He shifted the ₹62.54 lakh to a Conservative Hybrid Mutual Fund and set up an SWP (Systematic Withdrawal Plan).
Withdrawal Strategy:
- Withdraw 4% per year
- Stay within a safe, lifelong withdrawal limit
- Keep the remaining corpus invested so it sustains forever
4% of 62.54 lakh = ₹2.50 lakh/year
That is ~₹21,000 per month — for life. This ₹21,000/month becomes his personal pension.
A pension he created by investing only for 3 years.
Rohan’s Biggest Realisation : While reflecting on his journey, he told his friend: “I didn’t build wealth by investing for 20 years. I built wealth by waiting for 20 years.” Most people believe wealth creation demands long-term investing, big money, or endless discipline.
Rohan proved otherwise:
- Focus hard for 3 years
- Do nothing for 17 years
- Enjoy income for life
That’s the quiet magic of compounding.
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