India's SIP investors urged to follow 8-4-3 rule and annual 10% step‑up

Financial writers explain the 8‑4‑3 rule for systematic investment plans (SIP). The rule illustrates how compounding accelerates after the early years; a monthly SIP of ₹5,000 at an assumed 12% annual return could grow to about ₹1.76 crore in 30 years and exceed ₹3 crore in 35 years.

An investment expert advises a 10% yearly increase in the SIP contribution to reach a ₹1 crore target, and recommends a balanced portfolio of 55 % large‑cap, 23 % mid‑cap and 22 % small‑cap funds. The guidance also includes trimming overlapping schemes, focusing on a limited set of well‑performing funds, and avoiding excessive hybrid or thematic allocations.