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Shrivastava highlights nan wound of taxation. To really person ₹1 crore post-tax, you’d request to gain ₹1.4 crore—assuming a 30% taxation rate. That’s a afloat 40% much effort for nan aforesaid result.
The astir overlooked factor, he says, is cost. Paying 1% much successful commissions aliases fees complete nan agelong word slashes your returns drastically.
Finfluencer and Wisdom Hatch laminitis Akshat Shrivastava shared a blunt but eye-opening station connected X that takes isolated nan illusion of wealthiness galore Indians chase.
His message: earning aliases redeeming ₹1 crore isn't enough, what matters is what remains aft inflation, tax, and bad decisions.
He starts pinch a elemental example:
Invest ₹21,000 each period astatine a 12% yearly return, and successful 15 years, you’ll person ₹1 crore. Sounds for illustration a coagulated plan. But if ostentation averages 7%, nan buying powerfulness of that ₹1 crore drops sharply. In 10 years, it’s efficaciously worthy ₹50 lakh. In 15 years, it’s down to ₹36 lakh. After 20 years? ₹25 lakh. That’s nan quiet harm of inflation.
Next, Shrivastava highlights nan wound of taxation. To really person ₹1 crore post-tax, you’d request to gain ₹1.4 crore—assuming a 30% taxation rate. That’s a afloat 40% much effort for nan aforesaid result.
He doesn’t extremity there. Even inheriting ₹100 crore won’t protect you if you don’t cognize really to negociate it. “You tin suffer it successful 1 twelvemonth done bad investments,” he writes. No portfolio, nary plan—no wealth.
The astir overlooked factor, he says, is cost. Paying 1% much successful commissions aliases fees complete nan agelong word slashes your returns drastically. Here’s his math:
₹21K monthly SIP for 40 years astatine 11% = ₹14.78 crore
At 12% = ₹19.58 crore
That 1% return quality results successful a 32.4% cut—or ₹4.8 crore—gone. All owed to mini fees that compound complete time.
[1] 21K invested astatine 12% a twelvemonth (15 YEARS) = 1Cr
That's powerfulness of compounding.
[2] The buying powerfulness of 1Cr go 50 Lakhs successful 10 years
- 15 years from now= 36Lakhs.
- 20 years from now= 25Lakhs.
(* Assuming 7% inflation)
That's powerfulness of inflation.
[3] To gain 1Cr, you…
Shrivastava sums it up sharply: compounding is powerful but truthful is inflation, taxation, ignorance, and hidden costs. What you don’t salary attraction to tin softly eat distant astatine decades of effort.
His advice? Don’t beryllium an ostrich. Be aware, mobility everything, and build smart.
Published on: Apr 24, 2025 11:55 AM IST
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