Start Early, Retire a Billionaire: How to Invest in SIP for 2-Year-Old and Create ₹100 Crore by 25

If your kid is 2 years old today, congratulations—you’ve just won the lottery of time. Most people wake up to the idea of wealth when it’s already too late. But not you. You’re here, searching for the smartest move you can make for your child. And we’re here to hand it to you on a silver platter.

You want ₹100 crore by the time your child hits 25? It’s possible. But only if you start today and never blink during the journey.

Table of Contents

Why SIP for a 2-Year-Old is the Ultimate Power Move

Let’s not complicate this. The earlier you start investing in mutual fund SIPs, the more you benefit from the magic of compounding. For a 2-year-old, the timeline is golden—23 years of uninterrupted compounding is like a cheat code to wealth.

What does it take? Not lakhs per month. Just vision, patience, and unwavering discipline.

The Math Behind ₹100 Crore by 25

Let’s decode the ₹100 crore dream. You’ll need:

Investment Horizon: 23 years (from age 2 to 25)
Assumed Return: 15% annually (equity mutual fund SIP)
Target Corpus: ₹100 crore

Required Monthly SIP: ~₹40,000/month*

(*Based on SIP calculators and CAGR formula)

Sounds big? Think again.
If you’re earning well, this is totally doable. Cut the car upgrade. Skip the unnecessary home loan. Funnel your excess cash to this goal. Your kid’s future will thank you with crores.

5-Step Plan to Start SIP for 2-Year-Old Today

Set a Clear Goal: ₹100 crore by 25. Write it. Frame it. Live it.
Open a Minor Account: Open a mutual fund account in your child’s name with you as the guardian.
Choose Equity Growth Funds: Pick aggressive, diversified equity mutual funds with strong long-term records.
Automate the SIP: Start with ₹40,000/month or whatever you can afford. Increase it every year. That’s called a Step-Up SIP—your inflation fighter.
Hold Through Crashes: Markets will crash. Media will scream. Don’t stop. SIPs shine only when you stay put during chaos.

Reality Check: Can You Really Make ₹100 Crore?

Yes—but here’s the fine print.

Returns aren’t linear. Some years will give 5%, some 25%. Ride them all.
Taxes & inflation will eat some pie. But even after trimming, you’ll have enough to make your child financially free.
Discipline beats genius. You don’t need to be a stock market expert. You just need to stay invested.

Final Command from Cash Babu: Don’t Just Plan. Execute.

Parents always say, “I want to give my child the best life.” Then they buy toys, not time-tested financial assets. If you really want to give your child a head start in life, SIP for your 2-year-old is your weapon of choice.

Start a SIP today. Automate it. Never stop it. And watch the magic unfold.

Your child could be a billionaire by 25—not because you were rich, but because you were wise early.