▼ Why does the number look so large?
Because small differences compound dramatically over long periods. GAWP is designed to show the wealth of age, not just current money.
▼ Is 15% CAGR guaranteed?
No. It is only a standardized assumption used for comparison. Actual returns may vary.
▼ What if India becomes a developed economy and 15% returns become difficult?
If returns structurally fall as the economy matures, inflation is also likely to fall. In a lower-inflation environment, nominal return expectations should be interpreted differently.
▼ Why exclude primary home and vehicle?
Because the first home and vehicle are usually consumption/lifestyle assets, not freely deployable investable capital.
▼ Is this investment advice?
No. This is an educational and psychological wealth benchmarking tool.
▼ How can investors target approximately 15% CAGR over the long term?
A diversified allocation framework may improve long-term outcomes. An example approach could include approximately 70% equity exposure and 30% allocation across assets such as gold, bonds and other diversifiers. This is not expected every year. Wealth creation happens across full market cycles.