Build 1 Crore Fund: Contribution Growth Beats Chasing High Returns in Mutual Funds

• Long-term wealth creation in mutual funds depends more on consistent investment and contribution growth than solely on high returns.
• An investor increasing SIP by 10% annually with 10% return accumulated 80.73 lakh, outperforming one with a fixed SIP and 14% return (65.82 lakh).
• Combining annual SIP increase (10%) with higher returns (14%) can generate over 1.13 crore in 20 years.
• Experts advise starting investments early, increasing SIP amounts annually, and maintaining long-term discipline (15-20 years).
• Investors cannot control returns but can control investment amount and duration.

Why It Matters: Prioritize increasing your SIP contributions annually and long-term discipline over chasing only high returns.