Make X in Y years

[peyneust]

I 6.0have seen a massive number of posts in Indian market subs (personalfinanceind/ indianstreetbets/ indiainvestments /CreditcardsIndia), so here is a master list that should cover 99.99% of use cases.

Before we begin, some data to help you gauge returns. (These returns are all point-to-point datasets, so take them with a grain of salt).

Index

1 year
3 Year
5 Year
10 Year
15 Year
20 year

Equity (Nifty 50)

12.9
26.1
12.9
13.3
10.6
17.2

Equity (S&P 500)

9.5
16.2
15.7
16.4
14.8
12.9

Gold

14.2
7.6
13.1
7.5
10.3
12.0

Debt

6.5
5.5
6.8
7.4
7.5
7.2

Real Estate

6.0
4.8
5.2
4.8
6.5
9.0

Source: The Funds India Wealth report, June '23. Link Here.

So here goes nothing. Some of these will seem fucking stupid, but who am I to judge. A mathematician must be impartial and cover all bases, so here goes.

If you would like to help me with my little project, please DM as I'm just a college student with basic VBA programming skills. It would look good on our resumes. (more on this at the end of the post).

Six important points:

1. All of these assume no debt/ or that your investable income after debt payments can cover these.
2. All of these are total investment valuation (invested capital + returns) not net capital gains (just returns).
3. These assume that your "existing investments" are appreciating (giving returns) at the same % as your monthly investments. As I mentioned at the bottom for a calculation involving different returns across asset classes, watch this space for more in the future.
4. I have taken the median since the existing investments are given as a range. Ex; for 50-1cr it will be 75 Lakh.
5. Currently only 1 crore targets have been posted for 1,3,5 and 7 years, at 5, 7.5, 10, 12.5, 15, and 17.5% interests. I will be doing the analyses for 2 Crore, 3 Crore, 5 Crore and 10 Crore as well, and posting them in a gdoc. I will link this gdoc soon by mid may, so follow to stay in the loop. Also, to that doc (including for this 1 crore analysis) I will be adding calculations for 6%, 8%, 11%, 13%, and 14% to fill in the most common gaps.
6. How to gauge which slab you slot into: 5% = Mostly FDs. 7.5% = Bonds and FDs. 10% = Debt. 12.5% = Largecap equities and MFs. 15% = High growth portfolio. 17.5% = be realistic, go back to 12.5 or 15.

Target 1 crore in 1 year​

Existing Investments 0 (0 rupees)

• At 5.0% Interest: 812,759 per month x 12 months
  
• At 7.5% Interest: 803,433 per month x 12 months
  
• At 10 % Interest: 794,193 per month x 12 months
  
• At 12.5% Interest: 785,038 per month x 12 months
  
• At 15 % Interest: 775,968 per month x 12 months
  
• At 17.5% Interest: 766,982 per month x 12 months

Existing Investments 0