It's not too late to start investing in 30's

Investment in 30's, Mutual Fund Investments, Systematic Investment Plan

As soon as you hit 30, life takes a turn. A turn that takes you to highways of responsibilities - responsibility to keep you & your family healthy and happy. 

Who says money can't buy happiness - it can help you buy holidays, help you hop - shop, help you eat at best restaurants. And you need to ensure you have enough of corpus available for your family's future. If you are in your 30's & haven't planned anything for future - don't worry you are not too late.

Why is 30 a life changing number?

30 is an age where you start to go more mature - maturity is a very important trait to make investment decisions, specially those decisions that are going to impact you & your family. 

You start to make decisions that are not very reactive. Many people redeem mutual funds and stocks investments when equity market starts falling, failing to realize it is actually a time to invest more, remember Warren Buffett's first law of investment "Buy when everyone is selling, sell when everyone is buying". A recent research suggests, people in their 30's make less reactive decisions.

30's is when you start to get more serious about your future and have less excuses like "Oh! I wish i had known this earlier". You understand the principle that money needs time to grow & you have already lost some of it. At this age, people realize they can't afford to make mistakes anymore. 

30's is an age when people have respectable salaries and can make sizable investments. It is an age when you understand you need understand the actual meaning of diversification - you understand how much emergency fund you need, how much you can afford to invest, how much insurance coverage you need. 

Don't bother if you haven't planned anything and you are in your 30's. It is actually a smart age to get started with your investments. Remember AGE IS JUST A NUMBER!!

One Liner Tip -

Remember to live & enjoy your life  in present & invest for a better future.

Mutual funds as an investment instrument has been gaining popularity over the years, thanks to the wide range of options available and the ease of KYC process. To know more about them, check out The Mutual Funds Sahi Hai campaign, launched by The Association of Mutual Funds in India (AMFI) at

Share your thoughts in the comments section below!!


  1. Very nicely Said Mr chirag. I really appreciate the initiative you have taken to inspire people and spread awareness about financial fitness.


  2. Thanks Mr. Mukherjee for the wonderful words.
    What we have personally observed specially in last year is that many distributors and agents have misguided investors to pump in huge lumpsum money by just showing them recent returns. And when there was a market correction recently, many of them panicked & bailed out with losses. This inspired us to create an investor community to guide people & teach them that investment in mutual funds require patience.

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    Mutual Funds Wiki Team

  3. How can you compare various alternatives to determine which best suit your needs, financial goals and comfort level? In other words, you need to decide what you are really looking for.


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