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Can Gold & Silver ETFs, a smallcap-heavy portfolio, and a 10% step-up get you to Rs 3 crore in 20 years?

Virendra Singh aims for a Rs 3 crore corpus in 20 years. His current Rs 9,500 monthly SIP with annual increases will not suffice. Experts advise doubling his SIP or extending his investment horizon. A simplified portfolio with a small-cap bias and gold ETFs can aid his long-term wealth creation. Discipline and consistent step-ups are key.