Investing Guide #42: Why You Should Start Investing in Your 20s

 

Want to Retire Early or Be Financially Free? Start Investing in Your 20s

Your 20s may be for fun and growth — but if you start investing even ₹1,000/month, you’re setting yourself decades ahead of those who don’t.

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🕒 The Power of Early Compounding

Let’s say:

• You invest ₹1,000/month from age 22 to 30 (only 8 years!)
• Total investment = ₹96,000
• Value at 60 = ₹12–15 lakhs (at 12% return)

Time > Amount — That’s the power of compounding.

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🧠 Why You Must Start Now

• No major liabilities yet
• Higher risk tolerance
• Small mistakes won’t hurt long-term
• Develop investing habit early

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💸 Best Investment Options for Beginners in 20s

• SIP in Index Funds (Nifty 50, Sensex)
• Small-cap Mutual Funds (higher risk, higher reward)
• Digital Gold or SGBs
• Recurring Deposit (RD) for safety lovers

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💡 Bonus Tip

Use apps like:

• Zerodha Coin
• Groww .            These make investing mobile-friendly and minimum-cost.

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✅ Conclusion

Your 20s are for planting seeds. Don’t wait till you earn ₹50k/month — start investing at ₹500/month if that’s all you can. The magic is in starting early.

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