What is 15*15*15 Rule In Mutual Funds?

*For reference only — AED to INR rates are subject to change

Understanding the 15*15*15 Rule

The rule states that if you invest in rupees, you get the following corpus at the end of the tenure.

If you extend the same investment for another 15 years, the accumulated corpus can grow to over Rs. 10 crore, thanks to the power of compounding.

On the other hand, if you are making an SIP investment in UAE in AED, here’s how your wealth will look —

If you extend the same investment for another 15 years, the corpus will grow to AED 3.39

How Does the 15*15*15 Rule Work?

The power behind this rule is compounding — where returns generated on investments are reinvested, leading to exponential growth over time.

Here’s a simple breakdown of compounding with a different example —

This means even with a small investment in UAE, the longer you stay invested, the bigger your wealth grows.

Advantages of the 15*15*15 Rule Investment

Here’s how the 15*15*15 rule in mutual funds benefits you —

You will enjoy the following perks -

A clear goal and investment plan makes it easy to follow

More time invested leads to exponential growth of your money

Encourages consistent investing, which is key to wealth creation

Aims for financial stability and security over time

Staying invested for 15 years reduces the impact of short-term market fluctuations

You don’t need a large lump sum — small monthly investments can yield significant returns

Tips for Following the Mutual Fund 15*15*15 Rule

• Start Early: The sooner you begin, the more wealth you can accumulate
• Stay Consistent: Stick to monthly contributions even if the market fluctuates
• Diversify Your Investments: Spread your funds across different sectors and mutual funds to minimise risk
• Reinvest Earnings: Allowing your returns to compound can significantly boost your final corpus
• Review Your Portfolio Periodically: Make adjustments if necessary to align with your financial goals
• Avoid Panic Selling: Market fluctuations are normal — long-term investing helps ride out volatility

Conclusion

The 15*15*15 rule in mutual funds is a simple yet powerful approach to long-term investing. By staying committed to regular investments and allowing your money to compound, you can achieve significant financial growth over time. If you want to build wealth systematically, this strategy is a great starting point.

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