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
You can start with a lower amount. The key is consistency. Adjust the monthly investment based on your financial capacity.
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.
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.
You can, but it may affect the long-term growth of your corpus. Our strategy aims to balance withdrawals with reinvestments for sustained growth.
Invest in equity mutual funds, PPF, NPS, or other tax-efficient instruments with good long-term track records in Indian markets.
While early withdrawal is possible, it may reduce your final corpus. Consider creating an emergency fund to avoid tapping into your investments early.
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