Best Trick to Earn 1 Crore Rupees – Invest In Mutual Fund – Mutual Fund – Mutual Fund 2023


Investing in mutual funds through Systematic Investment Plans (SIPs) has gained popularity among individuals seeking long-term wealth creation. The 15*15*15 rule is an investment strategy that offers a straightforward approach for investors to accumulate Rs 1 crore over a span of 15 years. This rule takes into consideration three crucial factors: the value of the investment, the duration of investment, and the expected return. By understanding and implementing this rule, individuals can harness the potential of mutual funds and work towards their financial goals while mitigating risks.

Understanding the 15*15*15 Rule:

The 15*15*15 rule revolves around the idea that if an individual invests Rs 15,000 per month through a SIP in mutual funds for a duration of 15 years, they can achieve savings of Rs 1 crore, assuming an expected return of 15 percent on the investment. This rule simplifies the process of setting a financial goal and determining the required investment amount and duration to reach that goal.

Benefits of Long-Term Mutual Fund Investments:

Investing in mutual funds through SIPs for the long term offers several advantages, including risk reduction and potential for higher returns. Let’s explore the benefits in detail:

1. Risk Mitigation:

By investing in mutual funds through SIPs, investors can spread their investments across different market cycles, reducing the risk of short-term market volatility. Systematic investments help average out the purchase price of mutual fund units over time, enabling investors to benefit from market fluctuations in the long run.

2. Power of Compounding:

Long-term investments allow individuals to leverage the power of compounding. As the returns earned on the investment are reinvested, investors can enjoy compounded growth, which can significantly boost their wealth accumulation over time.

3. Professional Fund Management:

Mutual funds are managed by experienced professionals who analyze market trends, select suitable investment instruments, and actively monitor the fund’s performance. This expertise and active management can potentially enhance the returns on investments.

4. Diversification:

Mutual funds offer investors access to a diversified portfolio of assets, including stocks, bonds, and other securities. This diversification helps spread the investment risk and can provide a more stable and consistent return profile.

Implementing the 15*15*15 Rule:

To achieve the desired goal of Rs 1 crore over 15 years, individuals should consider the following steps:

1. Determine Risk Appetite:

Before investing, individuals must assess their risk appetite. Equity mutual funds generally offer higher returns over the long term but come with a higher risk of loss. Investors should align their risk tolerance with the type of mutual funds they choose.

2. Select Suitable Mutual Funds:

Based on risk tolerance and investment objectives, individuals should carefully select mutual funds that align with their financial goals. It is advisable to consult a financial advisor who can provide guidance based on one’s risk profile.

3. Set Up a SIP:

Investors should start a Systematic Investment Plan (SIP) with a monthly contribution of Rs 15,000 or an amount they are comfortable with. SIPs enable regular investments and help in averaging the cost of investment.

4. Monitor and Review:

Investors should periodically review the performance of their mutual fund investments and make necessary adjustments based on changing market conditions and personal financial goals.

Potential Returns and Investments:

Considering the 15*15*15 rule, let’s explore the potential returns and investments for different scenarios:

1. Investing Rs 15,000 per month:

Investing Rs 15,000 per month for 15 years at an expected return of 15 percent can yield approximately Rs 1 crore. This implies a total investment of Rs 27 lakhs. However, if a 13 percent return is obtained from an equity fund, the savings would amount to Rs 1,01,52,926. Similarly, with an 83,35,219 savings if a 13 percent return is earned.

2. Increasing Monthly Deposits to Rs 16,000:

By increasing the monthly deposit to Rs 16,000, the total investment over 15 years would increase to Rs 28,80,000. Assuming a 13 percent return, the savings would amount to Rs 88,90,900, and with a 15 percent return, the savings would increase to Rs 1,08,29,810.


The 15*15*15 rule offers investors a straightforward approach to achieve the financial milestone of accumulating Rs 1 crore over a span of 15 years through long-term mutual fund investments. By investing in equity mutual funds through SIPs, individuals can tap into the potential of compounding growth and benefit from the expertise of professional fund managers. However, it is essential to carefully evaluate one’s risk appetite and select mutual funds that align with their financial goals. Regular monitoring and periodic adjustments are crucial to optimize the investment strategy and maximize returns. By following this rule and leveraging the benefits of long-term mutual fund investments, individuals can pave the way towards financial success and achieve their desired wealth accumulation goals.

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