A 35% savings rate with 10% returns can beat a 20% rate with 12% returns over time. Example: ₹8.4 lakh annual income, 10% yearly growth. After 10 years, Investor A (35% saved) has ~₹77 lakh versus B's ~₹48 lakh. A larger investment base gives compounding more power than slightly higher returns.
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The Real Wealth Builder: Higher Savings Rate Outperforms Better Returns
