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.
Krushna Kirti, a 28-year-old engineer, first experienced crypto investment when he was in college. The rising craze of crypto led him to invest in it. While he did start carefully, seeing his money double overnight pushed him to believe he had found the future of his money. And like many others, Krushna did get a little carried away. However, things became a little difficult when a sudden market crash took over half of his investment. About 2 years ago, when Krushna decided to invest again, he planned for a smart investment approach. Unlike earlier, he now had the responsibility of his wife, and was looking forward to having a baby soon. Rather than abandoning the volatility of cryptocurrency, Krushna decided to balance it with smart insurance investments. He also consulted his finance manager for some concrete investment plans. The high-risk crypto investment mixed with balanced returns of insurance-related investments has proved to be a great idea for Krushna. It gave him peace of mind, better security and stability of funds.
Building a significant retirement corpus is a long-term goal that requires early planning. Many people realise this in their 30s and 40s, specifically when it comes to a common discussion among peers and friends. The first crucial question that comes to mind is which is the best retirement planning option – Investment plans (ULIPs, endowment plans) or pension plan? With a changing lifestyle, rising average life expectancy, and inflation, choosing the right retirement plan has become extremely crucial for a stress-free golden years. Investment plans offered by the life insurance companies and the pension plans are designed for long-term wealth building, specifically to achieve financial freedom post-retirement. However, both plans are unique in their own way. Let us explore the benefits and features of both plans, the risk involved and the difference between the two.
Financial markets always seemed like a far-off world for many, especially for those for whom a major part of their salary goes into monthly expenses like rent, bills and groceries. Many people in India stayed away from investing in equities and mutual funds that are designed for long-term goals, as they felt it is out of their reach and only meant for urban elites. Take the case of a young professional Joseph who has just started his career in Mumbai. His salary barely covers the rent, bills and groceries, leaving him with only a few hundred to save. Saving meaningfully always felt like a difficult task until he came across the option of micro-SIPs. Let us assume he came across an app while scrolling through, where he got to know about micro SIPs that allow him to invest as low as INR. 100 monthly into mutual funds. Isn’t that an amazing option for many young professionals and gig workers? Let us understand more about micro-SIPs, how they are gaining popularity, and what role they play in financial inclusion and wealth building.
Mobiles have transformed the way products are imagined, built, and scaled. Today, smartphones are becoming the primary gateway not just for everyday decision-making, but even for financial decisions. The use of mobile devices is skyrocketing, and every user expects an experience that their device can offer them effortlessly. Mobile-first as an investment approach means a version that allows investors to seamlessly invest through their mobile phones. A smartphone, an internet connection, and a mobile application, that's all you need to get investment-ready. Wondering how mobile-first investors are reshaping the investment sector? Let's understand.
Traditionally, the retirement age in India is 60 years. However, a growing tribe is calling for this freedom in their 30s and 40s. That's what the FIRE concept is. FIRE stands for Financial Independence Retire Early. This early retirement is neither an escape from work nor is it laziness, but a will to live life on one’s own terms. The idea sounds rebellious because the 30s and 40s are career peaks for many people. Yet, for FIRE followers, the idea is ‘not to quit’ but ‘to be free’. People who aim to retire early are not quitting but redesigning their lives. It is about doing something meaningful, something of your own, without living from paycheck to paycheck. The concept originated in the West but has gained significant popularity in India. Interestingly, a recent survey found that around 43% Indians aged under 25 aspire to retire early, typically by the age of 45 to 55.¹ While it may seem like an attractive proposition, the big question remains, “Can you really retire before 60?” “Are you financially capable of it?” To answer these questions, understanding the FIRE method is significant. Let's discuss more about FIRE and its implications!
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