It’s common advice for young earners by Finfluencers—start investing ₹500 every month, no matter how little you make. But one investor challenged this idea, saying it’s like telling someone on a bicycle to keep pedaling, hoping to reach Mars. Real wealth, he argues, comes not just from early investing, but from building skills and growing your income—so that by age 45, you could potentially invest ₹1.5 lakh every month.
The Power of Compounding—Scale Matters
Compound interest rewards consistent investing, but small contributions only go so far. ₹500 a month grows into a few lakhs over a few decades, while ₹1.5 lakh invested every month at 12% could become ₹15 crore by age 65. Consistency helps, but scaling your investments is essential for life-changing results.
Check out the investor post on Linkedin:
Focus on Income Growth, Not Just Cutbacks
When saving is emphasized over earning, money worries can become overwhelming. Building in-demand skills (like digital marketing, coding, finance, or project management) opens doors for higher income. As earnings rise, you can ramp up investments, moving from ₹500 SIPs in your 20s to ₹50,000 or more in your 40s.
Early Investing Still Matters—But Isn’t Everything
Finfluencers often highlight the power of starting early, thanks to dollar-cost averaging and longer compounding time. But the real effect multiplies when the amount invested increases. Even a modest SIP helps build discipline and market familiarity, but “upgrading” contributions over time is the game-changer.
Invest in Yourself First
Learning and upskilling in your 20s lays a powerful foundation. Instead of stressing about small investments, prioritize your education and skills—these often yield much higher “returns” than markets. Once you earn more, start diverting bigger chunks toward investments.
Smart, Simple Strategies and Habit Building
Begin with SIPs in equity index funds, diversified mutual funds, or robo-advisors. Maintain an emergency fund, invest habitually—even if it’s just ₹500 a month at first. As your income grows, keep adjusting your investing habits upward.
The Big Picture: Foundation Now, Growth Later
Your 20s should be about learning, experimenting, and gaining experience—not obsessing over delayed investing. By your 30s and 40s, thanks to higher earnings and smart investing, you’ll be able to compound bigger contributions for genuine wealth. If all goes well, by 45 you can invest real money—and let your earlier effort fuel remarkable financial freedom.
