In a thought-provoking post on X (formerly Twitter), Chartered Accountant Nitin Kaushik has challenged one of the most popular beliefs in personal finance — that a “10% annual return” can double your money quickly. His post, which has sparked widespread discussion among investors, highlights the often-overlooked nuance of compounding when it comes to systematic investment plans (SIPs). Advertisement

“Everyone dreams of doubling their money with a magical 10% return. But here’s the catch — compounding with monthly SIPs isn’t as fast as finance charts suggest,” Kaushik wrote.

Explaining further, Kaushik pointed out that investors contributing monthly through SIPs need nearly 25 years before their investment gains finally exceed the total amount they’ve put in. In contrast, a one-time lum

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