The Massive Cost Of Starting Late
21 July 2026
Two investors, same ₹10,000 monthly SIP, same return — one starts at 25, the other at 35. The result: a ₹4.5 crore gap caused by just 10 years of delay. We break down why time dominates every other variable in compounding, the Rule of 72, how 93% of a long-term corpus comes from compounding not contributions, and why a 1.5% expense ratio quietly costs you ₹87 lakh over 30 years.
