Expert Guide to Building ₹1 Crore in 10 Years

To make ₹1 crore in 10 years, experts suggest a balanced investment portfolio.

Most of your money (75%) should go into equity mutual funds, especially in small and mid-cap companies, because they grow faster over time.

A smaller part (10%) should be in debt funds for emergencies, and the rest (15%) in gold to protect against inflation and market ups and downs.

You need to invest about ₹50,000 every month.

This mix helps grow your money while keeping it safe.

Taxes are lower if you hold investments for more than a year.

For large sums, spread the investment over 18 months using an STP to avoid market risks.

The key is to stay disciplined and let your money grow over time.