25-year-old Rohit Rattan has always admired Warren Buffett. Since he was a teenager, Rohit was always curious about money, not just how to save it, but how to grow it. Though he sometimes regrets that he couldn’t start investing at 11 like Buffett did, by the time he had turned 18, he was ready to try his hand at investing. Saving up his pocket money, earnings from part-time jobs, and with his parents’ help, Rohit slowly began building his portfolio. He believed that rather than the amount, it was consistency that would work in his favour. Now, at 25, unlike most of his friends, Rohit is sitting on a rather solid investment corpus, one that most people only dream of having at that age. Rohit’s story is indeed inspiring, isn't it? But if you are still wondering how starting early can make all the difference, you are at the right place. Read on to know how starting your investment plans early in life can be a game-changer for your finances.
When 25-year-old Raman Shukla started his job, he was very much inclined towards savings and investments. He opted for a long-term investment plan, a mixture of stock market-linked investments and insurance-linked investment plans. Raman felt more relaxed about the future as he imagined a comfortable life ahead. However, every time Raman needed money, be it for a big purchase, a vacation, or a family commitment, he used to dip into these investments, thinking “after all, this is my money”. Over the years, his investment amount kept fluctuating due to his habit of withdrawing from it, time and again! After a few years, when Raman really needed his investments to make the down payment for his dream house, he was barely left with a sizable amount. This was not because the market didn't perform well, but Raman treated his investments more like a piggy bank, from where he often took what he needed. Many people may unknowingly make mistakes like Raman did. In this guide, we will explain how you can avoid similar mistakes to reap the maximum benefits of your investment plans at the right time.
The growth story of India is powerful. We now have developed healthcare, better infrastructure, including roads, skyscrapers, and much more. But all this growth often comes with a painful paradox. The cities rise and infrastructure develops, however, this development comes at a cost, a social and environmental cost. This gives birth to a dilemma for investors and insurers: whether chasing financial returns is important or whether we also need to safeguard the planet. Here comes green investing. With global concerns like climate change, ethical standards, green investing and its instruments like ESG funds are becoming more relevant with each passing day. These come with assurance of delivering both profits plus the purpose. Continue reading to learn more about the rise of green investing, ESG funds, the benefits of investing in these funds, and much more.
Rohan Talwar is a 33-year-old corporate employee from Mumbai. Recently, he started his subscription to an AI-powered investment app, and he was very excited. AI processed millions of data points in the blink of an eye, and the charges were a fraction of traditional costs. He quickly had a personalised investment portfolio. Everything was going fine until the market turned. When Rohan opened the app, the dashboard seemed flooded with charts, graphs, and data. In his moment of anxiety, he couldn't find any certainty or assurance. That's when Rohan called his old finance advisor, Meera Rao. The first thing she told Rohan was, “Relax, Rohan. There’s no need to panic. It’ll be alright!” and probably that’s what Rohan was looking for. She didn't just give him reassurance and the needed financial advice, but also asked about his family and mental health. She advised him on small changes he could make in his portfolio to ease his worries. It reminded him of how important emotional intelligence and human support are. He realised something fundamental: artificial intelligence can calculate, but it cannot console. While it may predict probabilities, it can not perceive emotions. Rhon’s story is a key realisation of the core difference between artificial intelligence and human essence.
Inflation represents the sustained increase in the price level of goods and services. A moderate price hike or inflation is a good sign representing a healthy economy, while consistently high inflation is a matter of concern for investors. As per the Reserve Bank of India (RBI), the average retail inflation was around 5.6% in the financial year 2023-24, which was brought down to 4.6% in the FY 2024-25 with some key monetary measures. However, the inflation rate has been hovering around 4.5% to 7% in the last few years. But, how does it impact your wealth? Inflation is often interpreted as a silent killer of wealth that reduces purchasing power over time. Take the case of 40-year-old Ashok, a software engineer who had been saving diligently for his retirement and his children’s education. He believed he was financially secure with a significant corpus accumulated for the future until he realised the price hike of everyday goods ( example: fuel, groceries, etc.) is rising faster than his portfolio return. His portfolio, which is growing at an average rate of 6% is effectively shrinking against the inflation rate of 5% to 7%. Hence, inflation-proof investment strategies are needed to grow and preserve your wealth.
Ranjitha Sahu, a 34-year-old self-employed content creator, lives in Delhi. Ever since she started earning, she has been investing and saving religiously. However, usually the tenure of her investment plans is short, a few months at max! Like many others, Ranjitha fears the idea of long-term investments. Talking to her husband, she often says, “What if I need that money or what if the market crashes or what if I don't live long enough to enjoy returns?” One day, her husband, Pritam, finally sat her down and explained the importance of long-term investment plans. He also gave her some helpful tips to overcome these fears for more practical investments in the future. It took some time, but Ranjitha did start to understand that investing for the long term is more about human psychology and that her long-term investment habits are actually benefiting her in multiple ways. Let's discuss some of the tips given by Pritam Sahu in this guide!
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