{"id":11502,"date":"2022-05-13T15:41:28","date_gmt":"2022-05-13T10:11:28","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=11502"},"modified":"2022-05-13T15:41:28","modified_gmt":"2022-05-13T10:11:28","slug":"are-you-investing-enough-for-future","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/are-you-investing-enough-for-future\/","title":{"rendered":"Are you investing enough for future?"},"content":{"rendered":"<div>\n<p><span class=\"style-scope yt-formatted-string\" dir=\"auto\">Presenting the best of investor education content, <\/span><a class=\"yt-simple-endpoint style-scope yt-formatted-string\" dir=\"auto\" spellcheck=\"false\" href=\"https:\/\/www.youtube.com\/hashtag\/curatedbykuvera\">#CuratedByKuvera<\/a><span class=\"style-scope yt-formatted-string\" dir=\"auto\">. This video by @HDFC Mutual Fund explains how to use the 50-20-30 rule in investing.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<p><iframe loading=\"lazy\" title=\"Are you investing enough? I Best of Investor Education\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/7gWVGyfwra4?list=PLDSzQdT9nLmBOsyCmLDKSz_PQcWdePZgI\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<div id=\"top-row\" class=\"style-scope ytd-video-secondary-info-renderer\">\n<div id=\"subscribe-button\" class=\"style-scope ytd-video-secondary-info-renderer\">\n<div id=\"notification-preference-button\" class=\"style-scope ytd-subscribe-button-renderer\">\n<div class=\"fill style-scope yt-interaction\">\n<div id=\"content\" class=\"style-scope ytd-expander\">\n<p>\u00a0Investing lets you create a safer and more stable future. However, the future of your dreams also depends on your investment corpus.<\/p>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<div class=\"fill style-scope yt-interaction\">\n<div id=\"content\" class=\"style-scope ytd-expander\">\n<p>Let&#8217;s understand this with an example: Let&#8217;s say, at 30, your earn Rs.50000 and invest Rs.6000 per month in Mutual funds through SIPs. And you increase SIP by 10% every year. Your investment corpus of Rs.6.83 lakh is likely to become Rs.9.54 lakh by the time you turn 37. Assuming a 10% interest rate.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p>Now your goals at 37 might look like these:<\/p>\n<p>-Downpayment for a home loan<\/p>\n<p>-Comfortable upbringing for your child<\/p>\n<p>&nbsp;<\/p>\n<p>Do you think your corpus will be enough for the down payment?<\/p>\n<p>Maybe, it depends on the value of the house you intend to purchase. But, now you also simultaneously pay for your child&#8217;s school expenses over multiple years.<\/p>\n<p>&nbsp;<\/p>\n<p>Do you think your corpus is enough for both goals? No. You would have to choose between your dream house and your child&#8217;s future. Not a pretty choice, right? So how do you put yourself in a better situation? By investing enough at each stage.<\/p>\n<p>&nbsp;<\/p>\n<p>And how do you know if you are investing enough? It&#8217;s simple! Use the 50-20-30 thumb rule. Put 50% of your income in needs, 20% in savings &amp; investments, and the remaining 30% in wants.<\/p>\n<p>&nbsp;<\/p>\n<p>So if your monthly income is 20%, invest Rs.10000 in mutual funds scheme. Increase SIP by 10% every year and by the time you turn 37, your corpus of Rs.11.38 lakh will become Rs.15.91 lakh. This will allow you to pay for both goals.<\/p>\n<p>&nbsp;<\/p>\n<p>The difference it makes is stark. You would have corpus of Rs.9.54 lakh without 50-20-30 rule and Rs.15.91 lakh corpus with 50-20-30 rule.<\/p>\n<p>&nbsp;<\/p>\n<p>To sum it up, the simple way to grow your wealth is by accumulating bigger corpus. Evaluate your corpus today, use the 50-20-30 rule to ensure your are living your best life while investing for a better future.<\/p>\n<p>&nbsp;<\/p>\n<div id=\"top-row\" class=\"style-scope ytd-video-secondary-info-renderer\">\n<div id=\"subscribe-button\" class=\"style-scope ytd-video-secondary-info-renderer\">\n<div id=\"notification-preference-button\" class=\"style-scope ytd-subscribe-button-renderer\">\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <strong><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a><\/strong> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<\/div>\n<div id=\"notification-preference-button\" class=\"style-scope ytd-subscribe-button-renderer\">\n<div class=\"fill style-scope yt-interaction\">\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"content\" class=\"style-scope ytd-expander\"><\/div>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai #PersonalFinance #InvestorEducation<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Presenting the best of investor education content, #CuratedByKuvera. This video by @HDFC Mutual Fund explains how to use the 50-20-30 rule in investing.\u00a0 &nbsp; &nbsp; \u00a0Investing lets you create a safer and more stable future. However, the future of your dreams also depends on your investment corpus. &nbsp; Let&#8217;s understand this with an example: Let&#8217;s [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/are-you-investing-enough-for-future\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":11510,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[81,99,593],"tags":[220,749,12,747,751,750,67,360,85,96,388],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Are you investing enough? | Kuvera<\/title>\n<meta name=\"description\" content=\"The future of your dream depends on your investment corpus. 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