Hi Arun. Thank you for this wonderful post. However you may have missed something in this calculation
A person making 50k SIP may be able to increase it at 4-7% depending on how his career turns out. So, if we consider the step up SIP, we may see good benefit in continuing the SIP
On contrary, if a person keeps the SIP at 50k and spends incremental earning in self and family, that would support the point you made.
Few risks to the corpus in early years
- sudden one time expenses like marriage, if costs 10lakh, that would be a big portion of starting capital of 10L, 50L, 1Cr
- Down paymnet for house would be 7-20L which is also a big portion
But yeah, your points are well taken and would give a better perspective.
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