A 20-year-old will need to invest Rs 8,416 per month in a mutual fund scheme at 12 per cent compounded annualised growth rate (CAGR) to accumulate Rs 10 crore by the time he turns 60. A 25-year-old and a 30-year-old will, however, need to invest Rs 15,396 and Rs. 28,329 per month, respectively, to accumulate the same corpus.