DINK couples have a quiet superpower most don't use: combined investing. Two SIPs running in parallel, same goal, doubled compounding. The math gets dramatic fast.
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Three reasons: independent tax planning (each partner uses their own ₹1.5L 80C cap via ELSS), separate folios (cleaner inheritance and ownership), and flexibility (one partner can pause if needed without disrupting the other).
Practically, two SIPs is two clicks instead of one — small effort, big optionality. Pair this with proper insurance for both. Talk to Archita.
Each SIP gets the standard annuity-due compounding (same as our SIP calculator). Then we add the two corpuses. There's no magic combined-rate — it's just two compoundings stacked.
The "solo equivalent" row shows what one partner would have alone — useful to see how much the partnership accelerates the goal.
Some rough Mumbai references for your eventual ₹2.5-3 Cr couple corpus: a 2BHK in good Bandra/Khar suburbs (depending on building), comfortable retirement income of ~₹1.5 lakh/month for 25 years, kids' international undergrad. Inflation-adjusted, of course — by then ₹3 Cr buys roughly what ₹1 Cr buys today.
For specific goal targeting, use the Goal SIP calculator — set the target, see what each of you needs to contribute.