{"slug":"the-7-5-3-1-rule-mutual-funds","qid":"step_up","label":"step_up","post_title":"the-7-5-3-1-rule-mutual-funds","post_url":"/blog/the-7-5-3-1-rule-mutual-funds#q-step_up","columns":["year","step_up_instalment","flat_invested_k","step_up_invested_k","extra_invested_pct"],"rows":[{"year":1,"step_up_instalment":"500 a month","flat_invested_k":6,"step_up_invested_k":6,"extra_invested_pct":0},{"year":2,"step_up_instalment":"550 a month","flat_invested_k":12,"step_up_invested_k":12.6,"extra_invested_pct":5},{"year":3,"step_up_instalment":"605 a month","flat_invested_k":18,"step_up_invested_k":19.9,"extra_invested_pct":10.3},{"year":4,"step_up_instalment":"666 a month","flat_invested_k":24,"step_up_invested_k":27.8,"extra_invested_pct":16},{"year":5,"step_up_instalment":"732 a month","flat_invested_k":30,"step_up_invested_k":36.6,"extra_invested_pct":22.1},{"year":6,"step_up_instalment":"805 a month","flat_invested_k":36,"step_up_invested_k":46.3,"extra_invested_pct":28.6},{"year":7,"step_up_instalment":"886 a month","flat_invested_k":42,"step_up_invested_k":56.9,"extra_invested_pct":35.5},{"year":8,"step_up_instalment":"974 a month","flat_invested_k":48,"step_up_invested_k":68.6,"extra_invested_pct":42.9},{"year":9,"step_up_instalment":"1072 a month","flat_invested_k":54,"step_up_invested_k":81.5,"extra_invested_pct":50.9},{"year":10,"step_up_instalment":"1179 a month","flat_invested_k":60,"step_up_invested_k":95.6,"extra_invested_pct":59.4}],"shape":"table","sql":"SELECT\n    year,\n    concat(toString(toUInt32(round(500 * pow(1.10, year - 1)))), ' a month') AS step_up_instalment,\n    round(6000 * year / 1000, 1)                                               AS flat_invested_k,\n    round(6000 * (pow(1.10, year) - 1) / 0.10 / 1000, 1)                       AS step_up_invested_k,\n    round(((pow(1.10, year) - 1) / 0.10 / year - 1) * 100, 1)                  AS extra_invested_pct\nFROM\n(\n    SELECT arrayJoin(range(1, 11)) AS year\n)\nORDER BY year","computed_at":"2026-09-17T15:41:34.260236+00:00","elapsed":0.0114618}