# What is 15\*15\*15 Rule In Mutual Funds? **Published:** 2025-09-17T10:45:45.609Z **Updated:** 2026-08-11T16:05:08.409Z **Author:** Aashima Mongia **Reviewer:** Atul Kathuria **Original Url:** https://www.policybazaar.ae/funds/articles/what-is-15-15-15-rule-in-mutual-funds/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Insurance Partners:** 35+ **Trusted Customers:** 2 Million+ **Policies Sold:** 1 Million+ Investing in mutual funds can be a great way to build wealth over time. One of the simplest yet effective strategies for long-term wealth creation is the 15\*15\*15 Rule in mutual funds. This rule provides a structured approach to investing and gives an illustration of the power of compounding to achieve substantial financial growth. | ## **Key Takeaways** The 15\*15\*15 rule helps investors accumulate Rs. 1 crore (AED 416,290)\* in 15 years
The longer you invest, the more wealth you accumulate
Compounding is the secret behind large wealth accumulation
Start early, invest consistently, and stay patient to maximise benefits | | --- | _**\*For reference only — AED to INR rates are subject to change**_ ## Understanding the 15\*15\*15 Rule The rule states that if you invest in rupees, you get the following corpus at the end of the tenure. | Component | Explanation | | --- | --- | | Investment Amount | Rs. 15,000 per month | | Investment Tenure | 15 years | | Expected Annual Return | 15% | | Final Corpus | Over Rs. 1 crore | If you extend the same investment for another 15 years, the accumulated corpus can grow to over Rs. 10 crore, thanks to the power of compounding. On the other hand, if you are making an [SIP investment in UAE](https://www.policybazaar.ae/investment-plans/sip-investment/) in AED, here’s how your wealth will look — | Component | Explanation | | --- | --- | | Investment Amount | AED 634\* per month | | Investment Tenure | 15 years | | Expected Annual Return | 15% | | Final Corpus | Over AED 416,290\* | If you extend the same investment for another 15 years, the corpus will grow to AED 3.39 Click here to Start Your Investment Plan! ## What are Investment Plans in UAE 2026 | | **Returns** | | --- | --- | | Fund Name | 1 Yr | 3 Yr | 5 Yr | Since Inception | | | --- | --- | --- | --- | --- | --- | | Moderate
BlackRock World Energy Fund A2 U.S. Dollar BlackRock Global Funds
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/BGF_World_Energy_A2_1789108623310.pdf) | **5.3%** | **13.66%** | **19.79%** | **5.09%** | | | Moderate
BGF World Gold Fund A2 Euro BlackRock Global Funds
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/BGF_World_Gold_A2_EUR1_1789108686413.pdf) | **10.9%** | **33.51%** | **1683%** | **7.13%** | | | Moderate
BlackRock World Gold Fund A2 U.S. Dollar BlackRock Global Funds
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/BGF_World_Gold_A2_USD_1789108740623.pdf) | **7.73%** | **35.21%** | **16.01%** | **7.06%** | | | Aggressive
BNP PARIBAS ISLAMIC FUND EQUITY OPTIMISER
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/BNP_Paribas_Islamic_Eq_Optimiser_C_C_1789108797284.pdf) | **19.84%** | **61.01%** | **62.11%** | **NA** | | | Aggressive
Global Technology Fund A-ACC-USD
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/Fidelity_Global_Technology_A_Acc_1789108874413.pdf) | **20.9%** | **74.6%** | **83.3%** | **724.3%** | | | Moderate
Franklin Mutual European Fund
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/Franklin_Mutual_European_A_Acc_USD_H1_1789108966555.PDF) | **23.12%** | **61.15%** | **88.53%** | **136.42%** | | | Aggressive
PineBridge American Equity Fund
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/PineBridge_American_Equity_A_1789109029554.pdf) | **17.6%** | **16.6%** | **10.9%** | **8.5%** | | | Aggressive
PineBridge Global Focus Equity Fund
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/PineBridge_Global_Focus_Equity_A_1789109084408.PDF) | **6.1%** | **13.8%** | **9%** | **7.4%** | | | Moderate
Pictet CH Precious Metals Fund - Physical Gold - R USD
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/PPMF_CH-Physical_Gold-R_dy_USD_1789109144541.PDF) | **21.4%** | **100.97%** | **114.7%** | **270.18%** | | | Aggressive
Schroder International Selection Fund Japanese Equity A Accumulation USD Hedged
[Fact Sheet](https://cdn.policybazaar.ae/tnc/investment/Schroder_ISF_Japanese_Equity_A_USD_Hdg_1789109191858.pdf) | **37.1%** | **79.5%** | **118.4%** | **NA** | | ## How Does the 15\*15\*15 Rule Work? The power behind this rule is compounding — where returns generated on investments are reinvested, leading to exponential growth over time. Here’s a simple breakdown of compounding with a different example — | Investment Period | Monthly Investment (AED) | Approximate Final Amount (AED) | | --- | --- | --- | | 5 Years | 1,500 | 139,567 | | 10 Years | 1,500 | 420,286 | | 15 Years | 1,500 | 984,914 | This means even with a small [investment in UAE](https://www.policybazaar.ae/investment-plans/), the longer you stay invested, the bigger your wealth grows. | “Someone's sitting in the shade today because someone planted a tree a long time ago.”
\- Warren Buffett | | --- | Click here to Start Your Investment Plan! ## Advantages of the 15\*15\*15 Rule Investment Here’s how the 15\*15\*15 rule in mutual funds benefits you — You will enjoy the following perks - A clear goal and investment plan makes it easy to follow More time invested leads to exponential growth of your money Encourages consistent investing, which is key to wealth creation Aims for financial stability and security over time Staying invested for 15 years reduces the impact of short-term market fluctuations You don’t need a large lump sum — small monthly investments can yield significant returns Click here to Start Your Investment Plan! ## Tips for Following the Mutual Fund 15\*15\*15 Rule * Start Early: The sooner you begin, the more wealth you can accumulate * Stay Consistent: Stick to monthly contributions even if the market fluctuates * Diversify Your Investments: Spread your funds across different sectors and mutual funds to minimise risk * Reinvest Earnings: Allowing your returns to compound can significantly boost your final corpus * Review Your Portfolio Periodically: Make adjustments if necessary to align with your financial goals * Avoid Panic Selling: Market fluctuations are normal — long-term investing helps ride out volatility | ## **Can You Earn 15% Returns?** While mutual funds historically deliver good returns, 15% is an estimated average. Actual returns may vary depending on market conditions. It’s important to choose quality equity [mutual funds in UAE](https://www.policybazaar.ae/top-10-best-mutual-funds-in-uae-to-invest-ipart/) with a strong track record. | | --- | ## Conclusion The 15\*15\*15 rule in mutual funds is a simple yet powerful approach to long-term investing. By staying committed to regular investments and allowing your money to compound, you can achieve significant financial growth over time. If you want to build wealth systematically, this strategy is a great starting point. ## FAQs ### Can we get a 15% return on mutual funds? While mutual fund returns fluctuate, historically, well-performing equity mutual funds have delivered an average 12-15% annual return over the long term. ### Is the 15\*15\*15 rule guaranteed? No, market-linked investments carry risks. However, historical trends suggest long-term investing in equity funds tends to yield positive results. ### What is the 15\*15\*30 Rule? The 15\*15\*30 rule follows the same principle but extends the investment duration to 30 years, resulting in a significantly larger corpus. | **Guide to Investments in UAE** | | --- | | [Best Mutual Funds UAE](https://www.policybazaar.ae/top-10-best-mutual-funds-in-uae-to-invest-ipart/) | [How to Ways to Invest AED 10000](https://www.policybazaar.ae/smart-ways-to-invest-aed-10000-ipart/) | | [National Bonds in UAE](https://www.policybazaar.ae/investment-plans/articles/national-bonds-uae/) | [Mutual Fund Calculator Benefits](https://www.policybazaar.ae/investment-plans/articles/mutual-fund-calculator-benefits/) | | [5 SIP Plans in UAE](https://www.policybazaar.ae/top-5-sip-plans-for-investment-in-uae-ipart/) | [Child Education Plan UAE](https://www.policybazaar.ae/investment-plans/child-plans/) | | [How to Invest Mutual Funds in UAE](https://www.policybazaar.ae/funds/how-to-invest-in-mutual-funds-in-uae/) | [Investment Options for Expats in UAE](https://www.policybazaar.ae/investment-plans/articles/different-investment-options-for-expats-in-uae/) | | [Best Ways Save money in UAE](https://www.policybazaar.ae/investment-plans/articles/save-money-in-uae/) | [Short Term Investment Options in UAE](https://www.policybazaar.ae/7-best-short-term-investment-options-with-high-returns-in-the-uae-ipart/) | ## Know More About Other Insurance Product [Term insurance Dubai](https://www.policybazaar.ae/term-insurance/) [Life Insurance Companies Dubai](https://www.policybazaar.ae/which-is-the-best-life-insurance-company-in-the-uae-liart/) [Life insurance Dubai](https://www.policybazaar.ae/life-insurance/) [Self Employed insurance UAE](https://www.policybazaar.ae/best-term-insurance-plans-for-self-employed-individuals-trmart/) [Life Insurance for Expats Dubai](https://www.policybazaar.ae/an-expat-in-uae-here-are-the-best-life-insurance-plans-for-you-liart/)[Whole Term Life Insurance Policy UAE](https://www.policybazaar.ae/life-insurance/whole-life-insurance/) [Term insurance For NRI in UAE](https://www.policybazaar.ae/best-term-insurance-plans-for-nri-in-uae-trmart/) [Life Insurance Calculator UAE](https://www.policybazaar.ae/life-insurance-premium-calculator-liart/) [Term Insurance Calculator UAE](https://www.policybazaar.ae/term-insurance/term-insurance-calculator/) [Senior Citizen Life Insurance UAE](https://www.policybazaar.ae/life-insurance/articles/life-insurance-for-senior-citizens/) [Pension Plans for NRI in Dubai](https://www.policybazaar.ae/pension-plan-for-nri-in-uae-liart/)[Who Needs to Buy Life Insurance Plans in Dubai](https://www.policybazaar.ae/who-buys-life-insurance-in-the-uae-why-liart/) | **Know More About Investment: [Shariah Compliant Mutual Funds](https://www.policybazaar.ae/funds/shariah-compliant-mutual-funds/) | [Investment Banks in UAE](https://www.policybazaar.ae/investment-plans/articles/investment-banks-in-uae/) | [How to Start SIP Investments](https://www.policybazaar.ae/investment-plans/articles/how-to-invest-in-sip/) | [How to Invest 1000 AED in UAE](https://www.policybazaar.ae/investment-plans/articles/how-to-invest-1000-aed-uae/) | [Retirement Plans in UAE](https://www.policybazaar.ae/investment-plans/articles/retirement-plans-in-uae/) | [SIP Investment in UAE](https://www.policybazaar.ae/investment-plans/sip-investment/) | [SIP Calculator UAE](https://www.policybazaar.ae/investment-calculators/articles/sip-calculator/) | [Best Online Trading Platforms](https://www.policybazaar.ae/investment-plans/articles/online-trading-platforms-uae/) | [SWP Calculator](https://www.policybazaar.ae/investment-calculators/swp-calculator/) | [Federal Bank NRI Account](https://www.policybazaar.ae/investment-plans/articles/federal-bank-nri-account/) | [NRI Account Minimum Balance](https://www.policybazaar.ae/investment-plans/articles/nri-account-minimum-balance/) | [Best Index Funds](https://www.policybazaar.ae/funds/best-index-funds/) |** | | --- | Last Updated At - 17 September 2025 ←Previous [What is CAGR in Mutual Funds](https://www.policybazaar.ae/investment-plans/articles/what-is-cagr-in-mutual-funds/) Next→ [How to Invest 5000 AED in UAE](https://www.policybazaar.ae/investment-plans/articles/how-to-invest-5000-aed-uae/)