September 4, 2025

Building wealth may seem like a tough journey, but experts say the secret is simple: stay consistent and give it time. Young professionals don’t need to invest huge amounts. Even a small sum invested regularly can grow into a hefty retirement fund if they begin early. What’s the magic behind this? It’s called compounding - where your returns earn returns themselves! Chartered Accountant Nitin Kaushik explained this beautifully on X (formerly Twitter). He said, "A person who starts investing Rs 5,000 every month at age 25 could have nearly Rs 3 crore by the time they turn 60," assuming a 12% yearly return. Talk about power packed savings! But what if you wait? Kaushik warned about the high cost of delaying investment. If you start at 35 instead of 25, with the same Rs 5,000 each month and same returns, by 60 you’d only get about Rs 95 lakh. That’s a whopping difference of over Rs 2 crore lost just because of waiting! The first 10 years are golden because compounding multiplies your money faster during this time. So, what’s the big lesson for young earners? Kaushik emphasized, "The key is not to try to time the market but to stay invested for as long as possible." He strongly warned that thinking "I’ll begin later" could be your most expensive money mistake ever. In simple words: starting small, staying steady, and giving time to your investments can create multi-crore wealth. Don’t lose the magic of time in your investment journey - start early and watch your money grow like a vibrant tree spreading its branches!

Read More at Economictimes →

Tags: Compounding, Investing early, Wealth building, Retirement savings, Nitin kaushik, Finance tips,