Falcon ~ 1 Crore in 10 Years

How it works

Mr. Sharma is a 40 years old income earning person.
Who Wants a life long passive income after 10 years.

He chooses to invest 40 thousand per month.
That is 4.8 lakhs (40 thousand/month X 12 Months = 4.8 Lakh RS)

He will invest 48 Lakh rs in next 10 years.
At 12% CAGR;
Mr Sharma hopes to cross the 1 crore rupees mark in 10 years.
(48 lakh capital + 52 lakh profit = 1 crore)

Once he crosses 1 crore corpus, he will Start a SWP plan under our guidance.
He intends to withdraw 40 thousand per month from this 1 crore corpus.
(This is approximately 4.8% withdrawal upon 1 crore)

While at 10% CAGR;
1 crore will generate a 10 lakh profit.
Mr Sharma who withdraws 40 thousand per month,
needs just 4.8 lakh per year withdrawal from 10 lakh profit.

Corpus grows at 10%, But Mr Sharma withdraws just ~5% .
Leaving the rest of the money to grow.
Maths Says,
Remaining 10 lakh – 4.8 lakh = 5.2 lakh,
gets added into 1 crore corpus.

Sticking to the plan, under our guidance.
That 1 crore corpus should keep increasing till 2 crore in another 10 years.
Such that inflation adjusted,
mr sharma withdraws 80 thousand after next 10 years.
Then, 1.6 lakh per month after 20 more years thereon.

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Quick Glance

  • Not a guarantee plan. This is Market linked plan.
  • Assumption is 12% CAGR.
  • A 40 thousand per month, gives you 1 crore in 10 years.
  • 11th Year onwards, you start receiving monthly 40 thousand every month.
  • 21st year, 40 thousand gets hiked to 80 thousand per months, due to inflation.
  • 31st year, 1.6 lakh per months which is in line with inflation.
  • Execution occurs in your own broker’s Demat account.
  • MoneyDhan is a Investment Advisory who gives you consultation via email.
  • Moneydhan Do not touch your capital. Do not need your broker id or password.
  • Onboarding is done. KYC is done. SEBI is notified that,you are our client.
  • Advisor-Client Agreement as per SEBI rules.
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Part I: The 10-Year Growth Plan

Mr. Sharma aims for a 12% Compound Annual Growth Rate (CAGR).
With this strategy, he hopes to grow his investment to over ₹1 crore in 10 years. Here’s how:

  • Monthly Investment: ₹40,000
  • Annual Investment: ₹4.8 lakhs
  • Total Investment in 10 Years: ₹48 lakhs
  • Expected Corpus: ₹1 crore (₹48 lakhs capital + ₹52 lakhs profit)
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Part II: The Smart Withdrawal Plan

Once Mr. Sharma’s corpus hits ₹1 crore, he starts a Systematic Withdrawal Plan (SWP).
He withdraws ₹40,000 per month, which is about 4.8% of his corpus.
Meanwhile, his corpus continues to grow at an expected 10% CAGR.

  • Annual Return on ₹1 crore: ₹10 lakhs
  • Annual Withdrawal: ₹4.8 lakhs (₹40,000 per month)
  • Remaining Profit Reinvested: ₹5.2 lakhs

This reinvestment helps his corpus grow further. Here’s the exciting part:

  • 11th Year: ₹40,000 per month withdrawal, corpus remains ₹1 crore.
  • 21st Year: ₹80,000 per month withdrawal, corpus grows to ₹2 crores.
  • 31st Year: ₹1.6 lakhs per month withdrawal, corpus grows to ₹4 crores.

They say….. Never mix Insurance with Investment, FALCON PLAN is the DIY solution for you !

Alpha Plan FAQ

What if I can’t invest ₹40,000 per month?

You can start with a lower amount. The key is consistency. Adjust the monthly investment based on your financial capacity.

What happens if the actual return is less than 12%?

While 12% is a reasonable expectation for Indian financial markets, returns can vary. A lower return may extend the timeline to achieve ₹1 crore, but the strategy remains robust.

Are there any risks associated with this plan?

As with any investment, market risks are involved. However, long-term investing in diversified Indian financial assets, combined with the power of compounding, can mitigate short-term fluctuations.

Can I withdraw more than ₹40,000 per month after 10 years?

You can, but it may affect the long-term growth of your corpus. Our strategy aims to balance withdrawals with reinvestments for sustained growth.

What are the best financial assets for this plan?

Invest in equity mutual funds, PPF, NPS, or other tax-efficient instruments with good long-term track records in Indian markets.

What happens if I need to withdraw money before 10 years?

While early withdrawal is possible, it may reduce your final corpus. Consider creating an emergency fund to avoid tapping into your investments early.

How can I track my progress?

Use a financial planning app or consult your financial advisor regularly to monitor your portfolio and make adjustments as needed.

Contact us for more information

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The Cost of Delaying Investment by One Year

Let’s take two scenarios where one investor (Investor A) starts the ₹40,000 monthly investment today and another (Investor B) waits for one year before starting. Both aim for a 12% CAGR over 10 years.

Investor A (Starts Immediately):
  • Monthly Investment: ₹40,000
  • Investment Duration: 10 years (120 months)
  • Total Investment: ₹48 lakhs

     

Corpus after 10 years at 12% CAGR:
₹ 1.05 crore

Investor B (Delays by 1 Year):
  • Monthly Investment: ₹40,000
  • Investment Duration: 9 years (108 months)
  • Total Investment: ₹43.2 lakhs

Corpus after 9 years at 12% CAGR:
₹88.75 lakhs

Cost of Waiting One Year:

  • Difference in corpus:
    ₹1.05 crore – ₹88.75 lakhs = ₹16.25 lakhs
Just by waiting one year, Investor B loses ₹16.25 lakhs in potential gains.

This gap only widens with more time, as the power of compounding exponentially increases the corpus in the final years.

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Tailored Investment Plans

Young Professionals (Aged 25-30)

  • Goal: Accumulate ₹32 lakhs in 7 years with a monthly investment of ₹20,000.
  • Monthly Investment: ₹20,000
  • Investment Duration: 7 years (84 months)
  • Expected CAGR: 12%
  • Total Investment: ₹16.8 lakhs
  • Corpus after 7 years: ₹32.3 lakhs (with ₹15.5 lakhs in returns)

However to reach ₹50 lakhs in 7 years:

  • Required Monthly Investment: ₹31,000
    Corpus after 7 years: ₹50.12 lakhs

Mid-Career Professionals (Aged 35-40)

  • Goal: Accumulate ₹1 crore in 10 years with a monthly investment of ₹40,000.
  • Monthly Investment: ₹40,000
  • Investment Duration: 10 years (120 months)
  • Expected CAGR: 12%
  • Total Investment: ₹48 lakhs
  • Corpus after 10 years: ₹1.05 crore (with ₹57 lakhs in returns)

High-Income Business Owners (Aged 40-45)

  • Goal: Accumulate ₹1.5 crores in 12 years with a monthly investment of ₹60,000.
  • Monthly Investment: ₹60,000
  • Investment Duration: 12 years (144 months)
  • Expected CAGR: 12%
  • Total Investment: ₹86.4 lakhs
  • Corpus after 12 years: ₹1.54 crores (with ₹67.6 lakhs in returns)

Pre-Retirees (Aged 50-55)

  • Goal: Accumulate ₹50 lakhs in 5 years with a monthly investment of ₹60,000.
  • Monthly Investment: ₹60,000
  • Investment Duration: 5 years (60 months)
  • Expected CAGR: 10%
  • Total Investment: ₹36 lakhs
  • Corpus after 5 years: ₹46.6 lakhs (with ₹10.6 lakhs in returns)

Alternatively, to achieve ₹50 lakhs in 5 years:

  • Required Monthly Investment: ₹64,000
  • Corpus after 5 years: ₹50.3 lakhs

Contact us for more information