The Math Behind Long term SIP Returns | 8% vs 12% Explained

When it comes to SIP (Systematic Investment Plan) investing, the most common advice is: “Stay invested for the long term.” But what does “long term” really mean? 5 years? 10 years? 15? In this video, we break down 30 years of SIP return data (1995–2025) to answer two key questions: How long do you need to stay invested to beat 8%? What’s the probability of earning 12% or more? Here’s what you’ll learn: SIP return probabilities across different time frames (1, 3, 5, 7, 10 & 15 years) What it really takes to earn more than 8% or 12% consistently Why time in the market matters more than timing The truth behind “The 12% Club” for ambitious investors Why patience and discipline drive long-term investing success 🔔 Don’t forget to like, share, and subscribe for more trading insights! 💬 Share your thoughts in the comments! Follow Us Instagram: / sharedotmarket Linkedin: / sharedotmarket Facebook: / sharedotmarket Twitter: / sharedotmarket Disclaimer: https://share.market/terms-conditions About PhonePe Wealth Broking: PhonePe Wealth Broking Private Limited, registered in April 2021 is a subsidiary of @PhonePe Private Limited and is registered with NSE and BSE as a Stock Broker, with CDSL as a Depository Participant and with AMFI as a Mutual Fund distributor. Launched in August 2023, Share.Market, a brand of PhonePe Wealth Broking, is a wealth and investment platform (app & website), catering to investors and traders of all expertise levels. The platform offers a wide range of investment products, including stocks, mutual funds, Wealth Baskets, and more.