Your own book, projected forward — lumpsum AUM and a growing SIP book, compounding month by month, with the trail income each year actually produces.
Lumpsum and SIP AUM stack to the book's total value (left axis); the line tracks the monthly trail that total pays (right axis).
| Year | SIP book | Lumpsum AUM | SIP AUM | Total AUM | Cumulative brokerage | Monthly trail |
|---|
Illustrations only, not guaranteed. Assumes net lumpsum sales, new SIP registrations and the rate of return all stay constant across the projection, which real books rarely do — treat this as a planning scenario, not a forecast, and revisit the assumptions periodically. Client redemptions and attrition are not modeled here — a book that also loses clients will grow more slowly than this. Trail commission is computed here on each month's average AUM (approximated from month-end AUM) as an approximation; actual payouts follow the AMC's own daily-average methodology and slab structure.