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Top Ways To Double Your Money Slowly But Surely

Looking for ways to double your money slowly & steadily? Read this blog to understand how you can invest and grow your money over time.
October 17, 2023

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Doubling your money generally requires time and patience. Unless you're a fan of high-risk gambling, in which case this isn't the right blog for you.

This blog is for people who are seeking high-quality investment options that have the ability to compound wealth over time. 

Let's just say a traditional bank savings account is not going to cut it if you want to double your money in India. The average savings account interest rate ranges from 3-5% at best. 

Based on the sad average interest rate, it would take 20-24 years to create 2x wealth according to the rule of 72*. But India’s a thriving economy that gives you access to lucrative investment options. 

Let’s explore the top 5  investment options in India that can potentially double your money. You can consult a Cube Wealth coach or download the Cube Wealth App.

1. Mutual Funds (MFs)

Mutual funds are a pool of money that’s invested in various assets like stocks and bonds by a fund manager. There are different types of mutual funds with varying levels of returns and risk levels. 

Let’s take equity funds, for example. They invest in a bunch of stocks and are generally known to produce 10-12% returns on average over the long term. 

Based on the rule of 72, it would take equity funds approximately 6-7 years to double your money. Other mutual funds like international funds would take 4-5 years to create 2x wealth. 

Mutual Fund Type

Average Returns

Average Time To 2x Wealth (in years)

Equity funds



Liquid Funds



International Funds



ELSS Funds



You can access the top mutual funds in India handpicked and curated by Cube's Mutual Fund advisory partner, Wealth First.

Download App & See Funds

2. US Stocks

The US stock market is perhaps one of the best ways for Indian investors to generate 2x wealth over the long term. The truth is, the US market is home to top brands like Amazon, Apple, Google, Microsoft, and others that are household names across the globe. 

As an extension, they’re solid companies with a track record of consistently delivering returns for investors. Your investment will grow in USD that has historically been solid against the INR. The average returns generated by US stocks range from 7-9%. 

This implies that it’ll take roughly 8-10 years to double your money. But this number will obviously vary based on the quality of stock you invest in. The rare multi-bagger can generate 2x wealth faster than others. 

That’s why Indian investors can benefit from the advice and knowledge of an expert like RIA, Rick Holbrook, on Cube Wealth. Rick has been in the game for 40+ years and manages ~$130 million in assets for HNIs.  

Access US Stock Advice

3. Index Funds & ETFs

Legendary investors like Warren Buffet believe that retail investors would benefit from investing in a fund or ETF that tracks an index like the S&P 500 or Sensex. 

Indices have been known to grow consistently over time. The same can’t be said for every stock within the index. Overall, index funds & ETFs have been known to generate 8-10% returns.

By extension, it means that they’ll take 7-8 years, give or take, to double an investment. Cube gives you access to top US index funds. See Best Index Funds

4. Bonds And Debt Funds

Bonds are issued by the government or private organizations in exchange for short or long term loans. Bonds are fixed-income securities that generate interest. 

The quality of a bond is determined by its grade or rating. In India, high-grade bonds are rated as AAA, AA+, F1+, P1+, and others. Such bonds have been known to generate 6-8% returns.

Based on the rule of 72, bonds may be able to double your money in 9 to 12 years. Indian investors can buy bonds in two ways:

Route #2 is comparatively easier as the management team of the debt fund will create a portfolio of high-grade bonds. Moreover, apps like Cube help you invest in a handful of the best debt funds in India. 

Mutual Fund Type

Average Returns

Average Time To 2x Wealth (in years)

Corporate Bond Fund



Dynamic Bond Fund



See Top Debt Funds

5. Real Estate

This is a tricky one because it takes time to buy property on one hand. On the other, you’ll have to play the waiting game for the property to grow in value for it to double your initial investment. 

It’s a different story if you’re in the US in June 2021, with property rates skyrocketing to all-time highs. We recently covered the story on CubeWrap, a place where you can find financial news that matters. 

Even then it would take 7-10 years for a property to gain 2x value, as per conservative estimates by various economists. You can consult a Cube Wealth coach or download the Cube Wealth App.

Investment option

Average Time To 2x Value (in years)

Real Estate


A more affordable alternative to this would be to invest in the stocks of US REITs. Real Estate Investment Trusts (REITs) hold assets across the property sector in the US.

Assets Vs Average Time Taken To Double Money

(The following are estimates and will vary based on actual investments)


Average Time Taken To Double Money (in years) 

Mutual Funds


US Stocks


Index Funds & ETFs


Bonds And Debt Funds


Real Estate/REIT Stocks


Start Investing Now

How To Double Money In India?

Truth be told, creating wealth isn’t easy. It takes time and a significant amount of patience. Anybody who tells you otherwise is simply lying. In fact, most of the assets listed above are tried and tested. 

Yet, they take at least 7 years on average to potentially double your money. A wise approach would be to build a perfect portfolio of investments that can grow and gain 2x value together, over time. 

Cube helps you do this with the bucket philosophy for the short, medium, and long term. Furthermore, the assets on Cube are handpicked by reliable advisors. Get Started Now


1. What are some low-risk investment options to double your money gradually?

Ans. Low-risk options include savings accounts, certificates of deposit (CDs), bonds, and dividend-paying stocks. These investments provide a more conservative approach to wealth accumulation.

2. Can investing in the stock market be a "slow but sure" way to double your money?

Ans. Yes, investing in blue-chip stocks with a history of stability and dividend payments can provide a slow but reliable path to doubling your money over the long term.

3. How important is diversification when pursuing slow and steady growth?

Ans. Diversification is crucial when aiming for gradual growth. Spreading your investments across various asset classes can help manage risk and enhance your chances of steady returns.

4. What role does compounding interest play in the "slow but sure" approach to doubling money?

Ans. Compounding interest is a significant factor. By reinvesting earnings, you can accelerate the growth of your initial investment over time, making the slow and steady approach more effective.


The top ways to double your money slowly but surely underscore the value of a patient, low-risk investment strategy. While quick gains can be tempting, the gradual approach offers stability and peace of mind. By diversifying your investments, opting for secure choices like bonds and dividend stocks, and harnessing the power of compound interest, you can work towards steadily increasing your wealth. You can consult a Cube Wealth coach or download the Cube Wealth App.

Watch this video to know more about building the perfect portfolio

*To use the rule, divide 72 by the potential returns to know how long it’ll take to double your money.  For example, let’s assume asset X gives 8% returns. According to the rule:

Time taken to double money = 72/8 = 9 years. 

**Average index returns from 2015-2021.

Priya Bansal
Curious about personal finance and all things money. Can either find me reading a book or dancing to a tune.

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