Inverika Capital · The 3P Wealth System · Prosper
The 15 × 15 × 15 Case · 45 Years of Sensex History
45 years of Sensex history — through every crisis, every crash, every recovery
45 years. Every crisis.
One consistent truth.
Since 1979, India's benchmark index has delivered ~15% CAGR — through wars, scams, crashes, and pandemics. The historical record works because India's growth story has never stopped.
15.1%
Sensex CAGR
1979 – 2026
47 years of unbroken data. Crashes included.
750×
Sensex growth
100 → 75,000+
₹1 Lakh in 1979 is worth ₹7.5 Crore today.
4 times
Major crashes
survived & recovered
1992 · 2000 · 2008 · 2020. Every time — new highs.
The Sensex Journey — Every crash recovered. Every decade rewarded.
1979
Sensex launched. India's market story begins. Base value set at 100.
100
1992
Harshad Mehta Scam. Market crashed 54%. Recovered fully within 3 years.
Crash −54%
~4,500
2000
Dot-com Bust. Tech bubble burst globally. Sensex fell 56%. Patience rewarded.
Crash −56%
~3,500
2008
Global Financial Crisis. Worst crash in decades. −64% in 12 months. Then — a roaring recovery.
Crash −64%
~8,000
2020
COVID-19 Pandemic. Markets fell 38% in weeks. Recovered in months. Hit new all-time highs.
Crash −38%
~25,000
2026
Today. Sensex at 75,000+. The 15% CAGR story remains intact. India is still growing.
15.1% CAGR
75,000+
Scale it up · Historical average across 33 rolling 15-year windows
MF SIP × 15 yrs · Historical Avg.
Every rupee invested has become
4.57× across 33 windows.
₹30K / mo
₹2.47 Cr
₹54L invested
4.57×
₹50K / mo
₹4.11 Cr
₹90L invested
4.57×
₹75K / mo
₹6.17 Cr
₹1.35 Cr invested
4.57×
₹1L / mo
₹8.23 Cr
₹1.80 Cr invested
4.57×
₹1.5L / mo
₹12.34 Cr
₹2.70 Cr invested
4.57×
Srivatsa Hebbar · Inverika Capital · ARN-180897
98449 00444 · www.inverika.in · Mysuru, Karnataka
Historical Sensex BSE rolling 15-year SIP simulation, 1979–2026. Past performance is not indicative of future returns. Mutual Fund investments are subject to market risk.
Inverika Capital · The 3P Wealth System · Prosper
₹15,000/Month Mutual Fund SIP · All 33 Rolling 15-Year Periods · Sensex 1979–2026
The 15 × 15 × 15 Case · All 33 Rolling 15-Year Windows
Every period. Every outcome.
The floor was 13.4%. Always.
We studied every 15-year rolling SIP period on the Sensex BSE since 1979 — all 33 of them. This is a Sensex-benchmarked SIP simulation — the floor case, as if you tracked the index. Actively managed equity Mutual Funds have historically done better. Through every crash and crisis, ₹15,000/month delivered at least ₹86.67 lakhs. Not once did returns fall below 13.4% XIRR. Not once.
23
Sensex SIP periods
≥15% XIRR
10
Periods 13–14.9%
index-beating
0
Periods below 13%
never happened
100%
Delivered above
13% XIRR · Every period
≥15% XIRR — 15×15×15 Achieved (23 periods)
13–14.9% XIRR — Strong, Index-Beating (10 periods)
| 15% Reference
Period
XIRR by 15-Year Window (scale: 0% → 25%)
Corpus
Result
0 / 33
Periods below 13% XIRR · Never happened in 47 years of Sensex history
₹86.67L
Floor corpus ever · 2005–2020 · Included COVID crash · Still 3.2× invested
₹1.23 Cr
Average corpus across all 33 periods · On ₹27L invested · 4.57× multiplier
₹2.20 Cr
Best period ever · 1984–1999 · 22.4% XIRR · Bull market of the decade
Srivatsa Hebbar · Inverika Capital · ARN-180897
98449 00444 · www.inverika.in · Mysuru, Karnataka
Sensex BSE, all rolling 15-year SIP periods since 1979. XIRR computed on ₹15,000/month SIP over 180 months. Sensex-benchmarked simulation — not returns of a specific Mutual Fund. Past performance is not indicative of future returns.
Inverika Capital · The 3P Wealth System · Prosper
Mutual Fund SWP · Your Money Outlives You
What happens after Year 15 — the Mutual Fund SWP story
You built ₹1 Crore.
Now let it pay you.
Every month. Forever.
Suppose you built ₹1 Crore over 15 years — an outcome achieved by a ₹15,000 monthly Sensex SIP in 23 of the last 33 fifteen-year windows. A Mutual Fund Systematic Withdrawal Plan (SWP) then lets you draw a fixed monthly income from that corpus, while the remaining units continue to compound.
₹50K
Monthly income
Over 3× your SIP
For life
How the SWP mathematics works
Your Corpus
₹1.02 Cr
Built from 15 years of ₹15,000/month Mutual Fund SIP. Units continue to grow at 12% p.a. even during withdrawal.
Monthly Earnings
₹1,02,000
At 12% p.a., your ₹1.02 Cr corpus earns ₹1.02 Lakh every single month in returns.
You Withdraw
₹50,000
₹50,000/month Mutual Fund SWP — over 3× your original SIP. The remaining ₹52,000 stays invested in Mutual Fund units and compounds.
Corpus growth while drawing ₹50,000/month — year by year
| Milestone |
Monthly SWP |
Total Withdrawn |
Corpus Value* |
Growth vs Start |
| Year 0 · Start SWP |
₹50,000 |
— |
₹1.02 Cr |
— |
| SWP Year 1 |
₹50,000 |
₹6.0 L |
₹1.09 Cr |
↑ +7% |
| SWP Year 3 |
₹50,000 |
₹18.0 L |
₹1.24 Cr |
↑ +22% |
| SWP Year 5 |
₹50,000 |
₹30.0 L |
₹1.44 Cr |
↑ +42% |
| SWP Year 10 |
₹50,000 |
₹60.0 L |
₹2.22 Cr |
↑ +117% |
| SWP Year 15 |
₹50,000 |
₹90.0 L |
₹3.62 Cr |
↑ +255% |
| SWP Year 20 |
₹50,000 |
₹1.20 Cr |
₹6.16 Cr |
↑ +504% |
| SWP Year 25 |
₹50,000 |
₹1.50 Cr |
₹10.79 Cr |
↑ +958% |
| After 25 years of withdrawals |
₹1.50 Cr paid out |
₹10.79 Cr left |
Legacy intact |
Total income received over 25 years
₹1.50 Cr
You withdrew ₹50,000 every month for 25 years via Mutual Fund SWP. That's ₹1.50 Crore of income — more than 5× what you ever invested in Mutual Fund SIP.
Corpus remaining after 25 years of withdrawals
₹10.79 Cr
Despite drawing income every month, your corpus grew 10× to ₹10.79 Crore — a legacy for your family.
"You invested ₹27 Lakh over 15 years through a Mutual Fund SIP. Your corpus paid you ₹1.50 Crore in income via SWP — and still left ₹10.79 Crore for your children. This is not magic. This is the power of Mutual Fund compounding — and it works for every disciplined investor."
— Srivatsa Hebbar · Inverika Capital · ARN-180897
Srivatsa Hebbar · Inverika Capital · ARN-180897
98449 00444 · www.inverika.in · Mysuru, Karnataka
Educational illustration. Assumed 12% p.a. post-withdrawal corpus growth (within AMFI 13% cap). Actual outcomes vary. Mutual Fund investments are subject to market risk.
Inverika Capital · The 3P Wealth System
From History to Portfolio · Your Path Starts Here
You have seen 45 years of history. Now — your portfolio.
The history speaks for itself.
Now make it personal.
A ₹15,000/month Mutual Fund SIP — run for 15 years — has never delivered below 13.4% XIRR in any rolling period since 1979. The historical record is clear. The question is no longer whether to invest in Mutual Funds — it is how. With the right structure, funds, and guidance.
The 3P Wealth System · Inverika Capital's Framework
I. Protect
Term life + health insurance must be in place before a single rupee is invested. Wealth built on an unprotected foundation can be wiped out in a moment.
Prerequisite — non-negotiable
II. Prepare
Emergency fund — 6 to 12 months of expenses in liquid Mutual Funds — must be fully funded before long-term wealth building begins.
Prerequisite — non-negotiable
III. Prosper
Wealth creation through equity Mutual Fund SIPs — structured across the AAA Framework. This is where the 15×15×15 case comes to life.
The wealth engine — Mutual Funds
The AAA Mutual Fund Portfolio Framework
The First A · 30–40%
Anchor
Stability. Resilience. The Base.
The stability foundation. Blends equity, debt, and other asset classes — hybrid structures delivering consistent returns across all market conditions with lower volatility than pure equity. Its role is not to be the best performer. It is to hold firm when everything else moves.
Orientation
Hybrid / Dynamic
The Second A · 40–50%
Accelerator
Growth. Consistent Compounders.
The primary growth engine. Quality businesses compounding earnings over long periods — proven moats, strong management, durable growth. Over 10–15 years, this is where the bulk of wealth creation occurs. Steady and consistent across every market cycle.
Orientation
Growth / Quality
The Third A · 20–30%
Alpha
Outperformance. Amplification. The Edge.
Targets meaningful outperformance through cyclical positioning and high-conviction active management. Captures sectors and companies where the risk-reward is disproportionately attractive. Carries the highest volatility — surrounded and protected by Anchor and Accelerator.
Orientation
Cyclical & Active
Why Mutual Funds — not FDs, not gold, not real estate
01
SEBI regulated, fully transparent. Every Mutual Fund scheme publishes its portfolio monthly. No hidden charges, no lock-ins beyond ELSS, no counterparty risk.
02
SIP automates discipline. A ₹15,000 monthly SIP mandate runs without emotion — buying more units when markets fall, fewer when markets rise. Removes the biggest investing risk: yourself.
03
SWP creates tax-efficient income. Long-term equity gains above ₹1.25L/year taxed at 12.5% — far more efficient than FD interest at slab rate. Your retirement income stays in your hands.
04
45 years of history. As you've just seen — no 15-year Mutual Fund SIP period in Indian history has ever delivered below 13.4% XIRR. Not one. The data does the talking.
Start Your Foundation Portfolio
"The best investment you can make is one that you understand, trust, and commit to — for the long term. A personalised Mutual Fund SIP portfolio, built on the AAA structure, is that investment."
Every Inverika client begins with a personalised Foundation Portfolio — 6 carefully selected Mutual Fund schemes across the AAA framework, matched to your SIP amount, horizon, and goals. No generic advice. No cookie-cutter portfolios.
Inverika Capital
ARN-180897
AMFI Registered MFD
Inverika Partners
ARN-356762
AMFI Registered MFD
Manisha S Hebbar
ARN-293445
AMFI Registered MFD
Srivatsa Hebbar
98449 00444
www.inverika.in
Mysuru, Karnataka
Srivatsa Hebbar · Inverika Capital · ARN-180897
98449 00444 · www.inverika.in · Mysuru, Karnataka
Mutual Fund investments are subject to market risk. Historical Sensex BSE SIP data (1979–2026) is educational only. Past performance is not indicative of future returns. Aligned with AMFI Circular 109/2023-24. Please read all scheme documents before investing.