Imagine transforming a mere ₹500 monthly investment into a corpus worth crores of rupees. This incredible potential lies within the grasp of every individual willing to harness the power of compounding. Unfortunately, many of us shy away from investing due to misconceptions and fears. This guide aims to demystify the investment world, demonstrate the impact of inflation on our savings, and show how even small investments can grow into substantial wealth over time. Through real-life examples and practical advice, you’ll learn how to make your money work for you and secure your financial future.
The Power of Investing
And here you can see that if you invest your ₹500 monthly, it has directly become 1 crore 7 lakhs. The thing which you could buy for ₹ one lakh, you will get it for ₹108000 next year. Ultimately, your money went down by 4000, brother. So if you start investing in this fund, I am going to show you practically how your ₹00 can make you crores of rupees. Can you imagine that you have turned just ₹00 into a crore?
Why Are We Scared of Investing?
In middle-class families, every person works very hard, earns a little money, and saves every penny, but everyone has big dreams. But have you ever thought about why we are so scared of investing? Brother, you must have also heard that we are damn sure that the stock market is a gamble, the stock market is gambling, and all your hard-earned money can be wasted in it. According to our minds, investments are only for expert people who have a lot of knowledge in this field. All these concepts create a huge fear in our minds, due to which our money rots in the bank account while inflation keeps increasing.
The Silent Killer: Inflation
Inflation is there, it silently keeps eating away your money. But how will it be if I tell you today that the cost of investment which is there once, you can generate a corpus of 1 ₹ crores by investing that much money? You sound unbeliever, but step by step, I am going to show you exactly how you can make ₹5000000.
The Biggest Risk Is Not Investing
Many people commented on my previous video, asking, “Sir, please tell me what should be the first step of investment? How should I start?” So in today’s video, I will tell you about my journey when I started investing for the first time. How I did it, what I did—I am going to share all those things with you.
So brother, if you feel that investing is risky, then today I will prove in this video that you are taking the biggest risk of life if you are not investing. Bill Gates says that if you are born poor, then it is not your fault. But if you die poor in this world, then it is nobody’s fault except yours. Because whatever is required whether it is knowledge or anything else to become rich—all of that knowledge, all of that execution, all of that guidance is available today in the 21st century. So if you die poor, it is your fault.
Spending vs. Saving vs. Investing
If you want to invest, then you must have income from somewhere. You will earn money from somewhere. Now, when a person earns money, what can he do with his money?
- Spending Wastefully – If you spend everything as soon as you earn, then you are setting yourself up for financial trouble. Many people have an urge from childhood that as soon as they start earning, they want a car, a bike, or a phone. Even if they have less money, they rely on EMI and loans.
- Saving in a Bank – You think that keeping money in your savings account is safe because it gives you a 4% interest rate. But let me tell you the truth: If you have ₹1 lakh in your savings account, next year it becomes ₹104000. But inflation is increasing at a rate of 7-8%, meaning that the thing you could buy for ₹1 lakh this year will cost ₹108000 next year. Your money lost value instead of growing.
- Investing Your Money – The best way to protect and grow your wealth is by investing. When you invest, you are telling your money to work for you and generate more money.
What the Rich Do Differently?
You must have heard about Robert Kiyosaki, the author of Rich Dad, Poor Dad. His book has gone viral all over the world. In the first chapter, he writes:
“The rich never work for money. They make their money work for them.”
Rich people invest their money so that it brings more money. They don’t just save or spend everything they invest.
Where Should You Invest?
Now the big question is: Where should you invest? There are many options:
- Gold
- Bonds
- Debt Funds
- Real Estate
- Equity Market (Stock Market)
If you have zero knowledge about the stock market, don’t worry. There is one investment that requires no expertise and still gives great returns—Nifty Index Fund.
The Power of Compounding
If you start investing in this fund, I am going to show you practically how your Rs 5000 can make you crores of rupees.
For example, let’s assume:
- You invest ₹500 per month at an interest rate of 15% (which is very achievable in Nifty Index Fund).You start at the age of 18 and continue for 8 years (until age 26).The total amount you invest is ₹48,000.Your returns amount to ₹49,968, making your total corpus ₹92,968.
Now, you must be thinking, “Where are the crores?”
Here’s the magic of compounding: You stop investing at age 26 and let this money grow on its own. By age 60, this money grows to ₹7 lakhs. If only our grandparents or parents had this knowledge and started investing earlier, life would be very different for all of us today.
The Fear of Losing Money in Investments
Many people hesitate to invest because they fear that the company might run away with their money. But think about it:
- Did Tata run away?
- Did Ambani run away?
There are strong, fundamentally solid companies that will never run away. You just need to gain a little knowledge before investing.
Conclusion: Start Investing Today
You can invest anywhere gold, bonds, real estate, or the stock market. But if you don’t have time to learn about stocks, the Nifty Index Fund is the best option.
If you start investing today, even a small amount can turn into crores over time. You can change your financial future.
So, what are you waiting for? Start your investment journey today!
FAQS:
Why should I start investing instead of just saving my money in a bank account?
Investing offers the potential for higher returns compared to the relatively low interest rates provided by traditional savings accounts. This helps to protect your wealth against inflation and allows your money to grow over time.
Is investing in the stock market risky?
While the stock market does involve some level of risk, it also provides the opportunity for substantial returns. By investing in strong, fundamentally solid companies or diversified funds like the Nifty Index Fund, you can mitigate risks and achieve steady growth.
How can I start investing with little or no knowledge about the stock market?
Begin by investing in simple and low-maintenance options like the Nifty Index Fund, which does not require extensive market knowledge. Additionally, seek out educational resources and expert guidance to enhance your understanding over time.
What is the power of compounding, and how can it benefit my investments?
Compounding is the process where the returns on your investments generate their own returns, leading to exponential growth over time. Starting early and investing consistently allows your money to multiply and build significant wealth in the long run.
Are there safe investment options available besides the stock market?
Yes, there are several safe investment options, including gold, bonds, debt funds, and real estate. Each option carries its own risk and return profile, so it is important to diversify your investments based on your risk tolerance and financial goals.
