Introduction
So friends, in this blog today, I will tell you that if you are in your winters or in your late teens, then how you should invest your money. This is a question that I think almost every day someone asks me on Instagram, on email, on YouTube comments, Facebook, Twitter, LinkedIn — that “I just started,” or students ask “I only have pocket money, I can save this much, how should I invest, and how should I think about my investments?”
So my duty today in this blog is to give you clarity on how you should think about your investments. There are some 2025 handsome, handsome the best way to start your investment. The earlier you start your investment, the more benefit you will get.
Avoiding Loans
The first thing is that you should at least, ideally, not take any loan. When you take a loan, you get stuck in a cycle. Recently, I add a blog on whether you should buy or rent a house, and I clearly said that buying a house is a good thing, but if you buy a house too early, you will get stuck.
Education loans — understandable. Parents may take it for you. My only advice is: if you ever take a loan, please take it in your own name, not your parents’. Good thing is, education loans come at a low interest rate. But some people should not take 100 percent loans. Never take car loans. Even if you take a bike, take a small one so that your EMI is low.
Insurance Basics
The first and most important point in investment is to reduce and eliminate loans. This is very important, because only then can you plan for something.
There are two types of insurance in life. If you are a working professional, then your cover should ideally be 20–25 times your annual salary. If your salary is 5 lakh per year, then you can take a 1–1.5 crore term insurance plan.
If you are young, this 1 crore plan can be very cheap — around Rs. 6280. If you are 22–23 years old, this same plan may cost around Rs. 7000, which means just ₹5 per day.
If you are married or have kids, and if you work in a corporate company, most likely your corporate health insurance will cover you and your parents. If the plan covers approx 10 lakh in total, and you are 3 members, it doesn’t mean 1 lakh each — the full 10 lakh can be used for anyone in the family.
If your company does not provide insurance, or you are self-employed, then you must take health insurance yourself.
Investment Mistakes
One of the biggest mistakes I made was that I started investing before paying off my loans. Now at 40, I feel how wrong that was. Pay your loans first, then invest properly.
In the beginning stage of your career, you don’t earn much, so your tax liability is low. Most people fall below the taxable bracket. So your potential to invest everything you save is very high.
How Much to Invest
Whatever you earn in a month, invest at least 20% of it. If you earn ₹5000 a month, invest ₹1000. No one expects you to have a lot of money initially. People think — “Just started earning, it’s okay.” But don’t think like that.
Avoid spending on expensive phones, expensive houses, expensive food places. This is not necessary. It may feel like your youth is going, but because of this, you risk your financial freedom for the next 30–50 years.
Power of Early Investing
If you invest regularly and with discipline, you will benefit a lot. Answer in the comments: if you start investing at 20 and continue till 65, how much will you have?
Inflation is important to understand. If you want 1 crore in today’s value at age 65, then due to inflation, that future crore will actually be worth much more, but its value will equal today’s 1 crore.
If you want 1 crore in today’s value by 65, inflation is 5%, and you invest till age 65, then how much should you invest every month? I will add a blog to calculate this, and we will find the answer in the comments.
If you can earn 10% return yearly on your investment, then by investing just ₹2000 a month from age 20 you can reach 1 crore (today’s value), which will be 3.5 crore in future value.
Now think — if you can invest ₹5000 or ₹10,000 a month, imagine how big the amount becomes.
If you start at 30 instead of 20, that future crore becomes only 50 lakh today’s value. And if you invest ₹2000 from 20, but from 30 you delay further, it reduces even more. This is the power of starting early.
Mindset About Spending
Youth often wants to enjoy — buying things, eating out, living in expensive places. Enjoy life, but with discipline. The difference of investing 10 years late can destroy half your wealth potential.
If you delay from 20 to 30, your ₹1 becomes 50 paise. You lose 50% value because you waited.
Where to Invest
Now the final question: where should you invest?
If you quit unnecessary expenses and invest smartly, you are doing the right thing. FD is not a great investment — it only protects money, not grow it. If you want to grow your money, invest in equities.
Markets may fall — in 45 years, markets will fall multiple times but they will also rise. Just stay invested. Hold your investments.
If you have no idea which stocks to buy, invest in mutual funds. If you don’t prefer mutual funds, try smallcase. I like smallcase personally — simple and free.
Gold can also be a good investment. In the last 20 years, gold has given good returns. You can invest in gold through digital gold or gold bonds.
Cryptocurrency
Should you invest in crypto? Bitcoin?
Personally my advice: be careful. It is very risky. It goes up fast and falls fast. Recently Bitcoin went to $30,000 — months ago it was $15,000. Hard to predict.
Crypto investment is optional. If you want, consider 1–2% of your portfolio only.
Sample Portfolio Structure
30% — Stocks
30% — Mutual Funds / Equity
20% — Gold
(Optional small % in crypto)
Even investing ₹2000 per month from age 20 can make you reach ₹1 crore by age 65 — unbelievable but possible.
Conclusion
Start today. Whatever your income is, invest something. I will show you how much return you get. Subscribe to the blog so you get notified whenever a new blog content comes.