To make Rs 1 crore starting at age 35, an investment roadmap suggests spreading investments across PPF, mutual funds, and gold over a 15-year horizon.
Mutual funds, with expected 12% yearly returns, can target Rs 50 lakh with a monthly investment of Rs 10,500, leading to a total corpus of Rs 47.97 lakh.
PPF, offering 7.1% annual return, can target Rs 25 lakh with a monthly investment of Rs 8,000, resulting in a final corpus of Rs 25.24 lakh.
By adjusting investments based on income rises and extending the investment duration, reaching over Rs 1 crore is achievable, depending on risk appetite and commitment to financial goals.