'₹1 lakh to ₹14 lakh': CA breaks down the 20-yr Nifty 50 lesson in patience & compounding
By contrast, he noted, keeping the same ₹1,00,000 in a savings account at an average interest rate of 3.5–4% would have grown to just about ₹1.8 lakh in the same period — a stark reminder of the “potential cost of hesitation or fear of market volatility.”
- Oct 19, 2025,
- Updated Oct 19, 2025 9:05 PM IST
Financial educator and chartered accountant CA Nitin Kaushik has once again underlined the importance of long-term investing, using a simple yet powerful illustration of how patience in the equity market can dramatically build wealth over time.
In a post on X (formerly Twitter), Kaushik wrote, “If you had invested ₹1,00,000 in the Nifty 50 index back in 2005, your investment today would be worth over ₹14,00,000 — approximately 14x growth in 20 years, translating to an average annual return (CAGR) of around 14%. This includes market price appreciation and dividends reinvested.”
By contrast, he noted, keeping the same ₹1,00,000 in a savings account at an average interest rate of 3.5–4% would have grown to just about ₹1.8 lakh in the same period — a stark reminder of the “potential cost of hesitation or fear of market volatility.”
Kaushik emphasised that every market dip was an opportunity, not a setback.
“Every correction was a chance to buy more — but only if you stayed invested,” he added.
He shared a few key takeaways for investors, especially those who tend to delay their financial journeys:
- Start today, regardless of your age.
- Keep emotions out of investing — panic erodes returns.
- Let compounding work its magic over time.
Kaushik’s central message is clear: markets reward patience, not timing. While he cautioned that past performance doesn’t guarantee future results, his post serves as a timely reminder of the power of discipline and long-term thinking in wealth creation.
“Your future self will thank you,” he concluded, urging investors to align their portfolios with their risk tolerance and stay the course amid market fluctuations.
Financial educator and chartered accountant CA Nitin Kaushik has once again underlined the importance of long-term investing, using a simple yet powerful illustration of how patience in the equity market can dramatically build wealth over time.
In a post on X (formerly Twitter), Kaushik wrote, “If you had invested ₹1,00,000 in the Nifty 50 index back in 2005, your investment today would be worth over ₹14,00,000 — approximately 14x growth in 20 years, translating to an average annual return (CAGR) of around 14%. This includes market price appreciation and dividends reinvested.”
By contrast, he noted, keeping the same ₹1,00,000 in a savings account at an average interest rate of 3.5–4% would have grown to just about ₹1.8 lakh in the same period — a stark reminder of the “potential cost of hesitation or fear of market volatility.”
Kaushik emphasised that every market dip was an opportunity, not a setback.
“Every correction was a chance to buy more — but only if you stayed invested,” he added.
He shared a few key takeaways for investors, especially those who tend to delay their financial journeys:
- Start today, regardless of your age.
- Keep emotions out of investing — panic erodes returns.
- Let compounding work its magic over time.
Kaushik’s central message is clear: markets reward patience, not timing. While he cautioned that past performance doesn’t guarantee future results, his post serves as a timely reminder of the power of discipline and long-term thinking in wealth creation.
“Your future self will thank you,” he concluded, urging investors to align their portfolios with their risk tolerance and stay the course amid market fluctuations.