Everyone dreams of becoming a crorepati, but without the right investment strategy, it can seem impossible. If you want to build a ₹1 crore fund, the 8-4-3 formula can help you achieve your goal faster. This smart strategy leverages the power of compounding to maximize your returns over time.
What is the 8-4-3 Compounding Formula?
The 8-4-3 formula is a compounding-based investment strategy that helps your money grow exponentially. By following this method, you can earn a minimum annual return of 12% on your investments.
💡 How does it work?
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In the first 8 years, your investment will grow steadily.
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In the next 4 years, it will start doubling at a faster rate.
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In the final 3 years, your wealth will skyrocket due to the power of compounding.
How to Become a Crorepati in 15 Years?
If you invest ₹21,250 per month in a scheme that offers a 12% annual return, here’s how your money will grow:
| Time (Years) | Total Investment (₹) | Total Value (₹) |
|---|---|---|
| 8 Years | 20.40 lakh | 33.37 lakh |
| 12 Years | 30.60 lakh | 66.74 lakh |
| 15 Years | 38.25 lakh | 1 Crore |
📈 In the first 8 years, your investment grows to ₹33 lakh. But in the next 4 years, it doubles to ₹66 lakh. In just 3 more years, it crosses ₹1 crore!
Best Investment Options for High Returns
✅ Mutual Fund SIPs – Invest in good equity funds
✅ NPS (National Pension Scheme) – Offers high returns in the long run
✅ PPF (Public Provident Fund) – Safe investment + tax benefits
✅ Stocks & Index Funds – Right stock selection can give 15-20% returns
Key Investment Principles to Follow
🔹 Stay Invested for the Long Term – The real magic of compounding happens over time.
🔹 Maintain Investment Discipline – Never miss your monthly SIPs.
🔹 Don’t Panic – Market fluctuations are normal; focus on long-term gains.
🔹 Use Tax-Saving Options – Save money with PPF, ELSS, and NPS investments.
By following this 8-4-3 compounding formula, your dream of becoming a crorepati can turn into a real success story! 🚀💰
Would you like to start investing with this formula? 😊
