Investment Basics Guide
Start your investment journey with confidence. Learn about mutual funds, stocks, fixed income, and alternative investments in India.
Pro Tip
Start investing early, even with small amounts. A ₹5,000 monthly SIP started at age 25 can grow to ₹3+ crore by age 60 at 12% returns. Time in the market beats timing the market!
Frequently Asked Questions
How much should I invest monthly as a beginner?
Start with at least 20% of your monthly income. If you earn ₹50,000, invest ₹10,000. Begin with ₹5,000 in equity SIP and ₹5,000 in PPF/debt funds. As income grows, increase investments proportionally. The key is to start early and be consistent, even if the amount is small.
Should I invest in direct stocks or mutual funds?
For beginners, mutual funds are better. They offer professional management, diversification, and lower risk. Start with index funds or flexi-cap funds. Once you gain knowledge and have time for research, allocate 10-20% to direct stocks. Never put all money in stocks without proper knowledge.
What is the best SIP amount for retirement planning?
Depends on your age and retirement goal. Rule of thumb: invest 15-20% of income. For ₹1 crore retirement corpus in 25 years, invest ₹10,000 monthly at 12% returns. Use retirement calculators to determine exact amount based on your target corpus and time horizon.