Last Updated:
A financial advisor explains why turning Rs 2 crore into Rs 10 crore in 10 years may be possible, but warns that investors need to change their approach as their portfolio grows.
The bigger the corpus, the bigger the risk. (Instagram/@enrichwise)
Building a Rs 10 crore investment portfolio may look like a simple goal if someone already has a sizeable amount saved. But financial advisor Kapil Jain says the path becomes much harder as the money grows.
He gave the example of a 45-year-old investor who has Rs 2 crore and wants to turn it into Rs 10 crore over the next 10 years. According to Jain, reaching the target is possible, but investors cannot rely on the same approach throughout the journey.
The First Few Crores Can Come Faster
Jain breaks the wealth-building journey into three stages. The first is the phase where an investor works towards building a Rs 2 crore portfolio. “When you start with 2 lakhs, you reach 2 crores in the first 5-6 years,” he explained.
At this stage, regular investments such as SIPs can play an important role. Market falls may also be easier to handle because fresh money continues to enter the portfolio.
But Jain says things change once the portfolio becomes much larger.
Bigger portfolios face bigger losses
The second stage begins when the investor has built a much bigger corpus. Jain said a market fall that may have seemed manageable earlier can result in a much bigger loss in rupee terms.
“In the next 5 years, the game changes. This is called Phase 2,” Jain said. For example, a 25 per cent fall in a Rs 5 crore portfolio could wipe out around Rs 1.5 crore. That loss could equal several years of regular SIP investments, making it harder for the investor to recover.
The final stage comes when the portfolio is close to the Rs 10 crore goal. At that point, even a similar market fall can have a major impact. “If the market falls by 25 per cent, how much will it fall? 2.5 crores,” he said.
Jain Says Investors Need To Change Strategy
Jain believes one common mistake is continuing with the same investment approach even after the portfolio has grown significantly. “People carry the same mindset till the end,” Jain said.
He said investors need to think about protecting their existing wealth as well as growing it. Simply buying investments and holding them may not always be enough when the amount at stake becomes large.
“When your portfolio increases, you can’t just buy and hold,” he explained. Jain suggested regularly checking the portfolio, rebalancing investments and making changes to asset allocation when needed. “Basically, you have to do periodic review and rebalancing,” Jain said.
On the Rs 10 crore target, Jain said, “He wants to reach 10 crores in 10 years. He can do it. But 99.9 per cent people can’t do it after this journey.”
About the Author
A team of writers at News18.com bring you stories on what’s creating the buzz on the Internet while exploring science, cricket, tech, gender, Bollywood, and culture.
August 08, 2026, 17:00 IST
Read More
