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Why to Invest ?

The relationship between money and us starts at an early age when we notice our parents exchanging rupees to buy stuff which we need or like. We learn the value of money when we buy our first chocolate with the money from our piggy bank. These experiences teach us and mold us in the way we handle money.

Our parents, in our early lives become our authorities on how to save up for that Game-boy we needed, or the clothes we need to be in trend. This relationship between us and money grows more complicated over a period of time. The collection of our working life is either a comfortable retirement or a struggle to make ends meet.

Setting Financial Goals

When we associate money goals to a life event, the process of planning for it becomes easier. Setting short-term, midterm, and long-term financial goals is an important step toward becoming financially secure. If you don’t plan for a life goal then you are likely to spend more than you should. And then come up short for most of your bills in the future, you start compromising on things like basic insurance which leaves you more vulnerable than you already are.

Establish a budget

Make your present clearer, basically means spend some time on seeing where your money is flowing. “You might be shocked at how much money is slipping through the cracks each month”. With the tools and accountability our phone gives us on where we spend, you might discover that ordering seamlessly every work-from-home day is costing you on an average around 10000 a month. You might learn your spending another 2000-3000 per weekend on date night meals or on a socializing weekend.

When you see how you are spending your money you’re guided by that information and this makes informed decisions on where you want your money to be going.

Planning investments

Define goals into short, medium and long term, match natural life stages of youth, middle age and post-retirement.

There’s never an early or late time to start investing. Of course playing catch if you have not started early this will mean making few lifestyle changes based on your budgeting, major benefits accrue when you start investing early.

Debt management takes priority because it makes no sense earning 11-12 % on your investments if your debt is at 9-10% as inflation will make your money negate the benefits. Bear markets and bull markets are inevitable in your investment journey. Don’t invest just because you haven’t got a chance to be part of a bull market instead save up some money which is less volatile and invest when the markets are depressed and an opportunity presents itself. In our lifetimes we might have comparatively fewer opportunities while investing in equities the important trait to learn is perseverance, patience and seizing the right opportunity.


Starting early and figuring out your investment goals earlier helps reduce unpreparedness later in life. Even if you don’t make perfect linear progress towards achieving your goals it’s important to be consistent. Review your financial portfolio annually to make up for changes in financial goals. This continued pursuit towards achieving financial discipline will make you more aware of daily finances and make it easier to achieve your financial goals.


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