{"id":11722,"date":"2022-05-23T18:55:34","date_gmt":"2022-05-23T13:25:34","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=11722"},"modified":"2022-07-14T16:28:04","modified_gmt":"2022-07-14T10:58:04","slug":"the-top-thumb-rules-of-investing-you-should-know","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/","title":{"rendered":"The Top Thumb Rules of Investing You Should Know"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d13bbb5f223\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d13bbb5f223\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#What_are_the_benefits_of_using_the_thumb_rules_of_investment\" title=\"What are the benefits of using the thumb rules of investment?\">What are the benefits of using the thumb rules of investment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#How_quickly_will_your_money_grow\" title=\"How quickly will your money grow?\">How quickly will your money grow?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#_Rule_of_72\" title=\"\u00a0Rule of 72\">\u00a0Rule of 72<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#Rule_of_114\" title=\"Rule of 114\">Rule of 114<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#Rule_of_144\" title=\"Rule of 144\">Rule of 144<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#_Rule_of_70\" title=\"\u00a0Rule of 70\">\u00a0Rule of 70<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#Minimum_10_Investment_The_Cautionary_Rule\" title=\"Minimum 10% Investment: The Cautionary Rule\">Minimum 10% Investment: The Cautionary Rule<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#i\" title=\"\u00a0\">\u00a0<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#The_10_Retirement_rule\" title=\"The 10% Retirement rule\">The 10% Retirement rule<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#What_is_the_100_minus_age_rule\" title=\"What is the \u2018100 minus age&#8217; rule?\">What is the \u2018100 minus age&#8217; rule?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#Does_100_minus_age_thumb_rules_will_work\" title=\"Does 100 minus age thumb rules will work?\">Does 100 minus age thumb rules will work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#Emergency_Fund_Rule_Keep_3-6_Months_Spending_in_Emergency_Savings\" title=\"Emergency Fund Rule: Keep 3-6 Months&#8217; Spending in Emergency Savings\">Emergency Fund Rule: Keep 3-6 Months&#8217; Spending in Emergency Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#Why_Does_Emergency_Fund_Rule_Work\" title=\"Why Does Emergency Fund Rule Work?\">Why Does Emergency Fund Rule Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#The_4_Withdrawal_Rule_can_go_upto_6\" title=\"The 4% Withdrawal Rule (can go upto 6%)\">The 4% Withdrawal Rule (can go upto 6%)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#The_50-20-30_rule\" title=\"The 50-20-30 rule\">The 50-20-30 rule<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#The_Net_worth_rule\" title=\"The Net worth rule\">The Net worth rule<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#Key_Takeaways\" title=\"Key Takeaways\">Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#Whats_the_no_1_thumb_rule_of_investing\" title=\"What\u2019s the no. 1 thumb rule of investing?\">What\u2019s the no. 1 thumb rule of investing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#What_thumb_rule_of_investing_must_be_used_to_calculate_ROI\" title=\"What thumb rule of investing must be used to calculate ROI?\">What thumb rule of investing must be used to calculate ROI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#What_is_considered_a_good_annual_rate_of_investment\" title=\"What is considered a good annual rate of investment?\">What is considered a good annual rate of investment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Any new investor&#8217;s first hurdle is to make life-changing choices from thousands of investment options available in the market. The sheer amount of possibilities and associated risks could be overwhelming for anyone. <\/span>By following certain time-tested thumb rules, you can simplify your decision making process, and learn how to save money, manage your investments and create wealth.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_benefits_of_using_the_thumb_rules_of_investment\"><\/span>What are the benefits of using the thumb rules of investment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>While investing may seem complicated for a beginner, it is not really true. All you need to do is follow certain thumb rules that act as excellent starting points and ease you into your investment journey.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">These thumb rules provide easy and practical guidelines that will help you understand how to plan savings, or approach any financial goal or investment decision.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It is important to remember that while these thumb rules are applicable in general, they may not be universally applicable to every investor and situation.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">While it&#8217;s necessary to have a job, it shouldn&#8217;t be your only source of income. Those interested in a secondary source of income through investing must first acquaint themselves with the thumb-rules of investing. This will help you build wealth from passive, secondary income. Let\u2019s now discuss these popular rules of investing.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_quickly_will_your_money_grow\"><\/span>How quickly will your money grow?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"_Rule_of_72\"><\/span>\u00a0Rule of 72<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>All of us want our investments to double in value and look for ways to do so in the shortest time possible. The good news is that the Rule of 72 will help you achieve this in the least amount of time.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It is a simple calculation that informs you of the time required for your money to increase. According to this rule, divide 72 by the rate of return. The number that you get is the number of years it will take for your money to double.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s assume you have invested INR 2 lakh in a product with a 5% rate of return. When you divide 72 by 5, you get 14.4 as a result. After 14.4 years, your investment of Rs 2 lakh will have grown to Rs 4 lakh.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Try using different interest rates from other investment avenues and see how the procedure works.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">6%, it will take 12 years for your money to double [72 \/ 6 = 12]<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">7%, it will take 10 years for your money to double [72 \/ 7 = 10.2]<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">10%, it will take 7 years for your money to double [72 \/ 10 = 7.2]<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>The Rule of 72 is an eye-opener because of its practical utility. It encourages you to ask detailed questions before making significant investment decisions.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Rule_of_114\"><\/span>Rule of 114<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>The Rule of 114 takes the Rule of 72 to the next level. If you are not satisfied with doubling and are thinking about tripling your money through investment, you will have to use the Rule of 114.\u00a0 Rule of 114 has a mathematical formula similar to Rule of 72.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Divide the number 114 by the rate of return. The remainder you get is the number of years. So, if you put Rs 2 lakh in a product with a 7% interest rate, it will grow to Rs 4 lakh in 16 years, according to the Rule of 114.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Rule_of_144\"><\/span>Rule of 144<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Two multiplied by 72 is 144. The rule of 144 helps you calculate the number of years it takes for your money to grow 4x if you know the rate of return.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For instance, if you invest Rs 2 lakh in a product that gives you a 7% interest rate, it will become Rs 8 lakh in 20 years.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Just divide 144 with the product&#8217;s interest rate to calculate the number of years in which the money will grow four times.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>As important as it is to understand how rapidly your money grows, it\u2019s also necessary to know how quickly your money depreciates. We will be exploring this area with the Rule of 70.<\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"_Rule_of_70\"><\/span>\u00a0Rule of 70<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This is an excellent rule to evaluate how much your existing funds will be valued in 10 or 20 years. If you did not invest anything, its worth would be lower due to inflation.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To get this value, divide 70 by the current inflation rate. The figure you get is the period it would take for your money to be worth half as much as now.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Consider this scenario: you have Rs 40 lakh, and the inflation rate is 7%. According to the Rule of 70, your investment of Rs 40 lakh will be worth Rs 20 lakh in 10 years.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Minimum_10_Investment_The_Cautionary_Rule\"><\/span>Minimum 10% Investment: The Cautionary Rule<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"i\"><\/span><span style=\"font-weight: 400;\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Knowing the 10% investment rule is necessary as it will help you get through a bear market. If the price of an individual stock falls by 10% or more from what you initially bought it for, it&#8217;s time to sell the stock.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Applying the 10% rule is vital for unfavorable markets. You are saving your time by not waiting for stock prices to recover. It teaches you how to be a street-smart investor, knowing when to sell and acquire shares. This investment principle, however, only applies to individual stocks.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"The_10_Retirement_rule\"><\/span>The 10% Retirement rule<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Planning for retirement will be the last thing on our minds when we are in our early or mid-twenties. However, if you begin investing from your first salary, no matter how small, you will be able to build a sizable corpus for retirement. And, preferably, it should be 10% of your present annual compensation, with an additional 10% growth per year.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For example, suppose you are 25 years old and earn Rs 30,000 per month. You chose to invest 10% of your monthly income, i.e., Rs 3000, and raise it by 10% each year. Let&#8217;s compute the retirement corpus you&#8217;ll be able to build by investing in a ten percent-returning instrument.<\/span><\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Sl No.<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Specific Details<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Answers<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Current Age<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">25<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Investment amount every month<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">INR 3000<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Percentage increase in investment amount every month<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">The average rate of return<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Retirement Age<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">60 years<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Tenure of investment<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">35 Years<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Total Retirement Corpus<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">INR 3.4 Crore<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">So, by merely investing Rs 3,000 per month and increasing it by 10% each year, you might accumulate a corpus of Rs 3.4 crore. Investing in NPS following the 10% rule is an excellent method to supplement your retirement savings.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_100_minus_age_rule\"><\/span>What is the \u2018100 minus age&#8217; rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The older you get, the more you desire monetary security and the less willing you are to take risks.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The 100-minus-age rule states that the percentage of equity assets in your portfolio must be equal to the difference between 100 and your age difference. For example, if you are 29 years old, the rule recommends that you invest 71% of your income (100 \u2013 29 = 71).<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Essentially, the formula is based on the concept of the declining equity glide path, in which you reduce your equity allocation every year. As a result, you are protecting your portfolio from volatility.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_100_minus_age_thumb_rules_will_work\"><\/span>Does 100 minus age thumb rules will work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The rule generalizes people&#8217;s risk preferences and is based solely on age. How would you apply the rule to a risk-averse person in his early thirties? The investment strategy must consider factors such as risk tolerance, time frame for achieving goals, and expectation of returns.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s consider two friends, both of whom are 30 years old. Shyam was recruited on campus by a multinational corporation and has seen constant advancement in his job and compensation package. A well-established family with assets and properties, he is also unmarried. Ram, on the other hand, has been dealing with an unpredictable career, elderly and dependent parents, family loans, and the obligation to repay and settle a loan from a relative in three months.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If the &#8216;100 minus age&#8217; rule is followed, they both must invest 70% of their wealth. Though it is not much of a challenge for Shyam it may be for Ram. This is because the latter has numerous commitments to meet and cannot afford to lose any of his investments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Emergency_Fund_Rule_Keep_3-6_Months_Spending_in_Emergency_Savings\"><\/span>Emergency Fund Rule: Keep 3-6 Months&#8217; Spending in Emergency Savings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>New investors are frequently encouraged to first create an emergency fund. One must be financially prepared for unforeseen circumstances such as automobile breakdowns, medical bills, or unexpected unemployment. If they do not have a financial cushion, people may be compelled to go into debt or delve into long-term investments to fund these expenditures.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_Does_Emergency_Fund_Rule_Work\"><\/span>Why Does Emergency Fund Rule Work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Setting aside money to deal with unforeseen events is a necessary component of personal finance. After fulfilling the primary obligation, one can make headway towards other financial objectives, such as debt repayment, retirement savings, or investing for future education.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>Three to six months&#8217; worth of savings is a good starting point for the emergency fund rule. Individual risk tolerance varies, but retains financial buffers closer to 12 months&#8217; worth of expenditures. This makes it simpler to fund any unanticipated needs without liquidating financial assets at an inconvenient moment.<\/p>\n<p>&nbsp;<\/p>\n<p>Unemployment is a pressing issue for many people throughout the world. It can take many months for a laid-off worker to find a new job, especially in an environment like the coronavirus, which has forced many businesses to close. At that time, the emergency fund can help an individual.<\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"The_4_Withdrawal_Rule_can_go_upto_6\"><\/span>The 4% Withdrawal Rule (can go upto 6%)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you want to prepare for a financially secure tomorrow, you should know the ideal withdrawal ratio. If you plan to set aside money for retirement, follow the withdrawal rule. You can check the amount you require for retirement with the Retirement Calculator.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The withdrawal rule stipulates that you should not withdraw more than 4% of your retirement fund in just one year.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0Assume you have accumulated Rs. 2 crores for your retirement life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The 4% requirement requires you to draw just Rs. 8 lakhs a month.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Inflation is another area of concern that influences your investments. Assume the annual inflation rate is 6%. You might increase your withdrawal by 6% every year to account for inflation.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"The_50-20-30_rule\"><\/span>The 50-20-30 rule<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You can proceed by saving 10% of your after-tax income. After some time, however, you should target the 50-20-30 Rule of saving. That is, no more than 50% of your income should be spent on living expenses, including household expenses, no less than 20% should be saved for short and long-term goals and no more than 30% should be spent on avoidable costs, such as outings and vacations.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"The_Net_worth_rule\"><\/span>The Net worth rule<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Thomas J Stanley used this mathematical formula and William D Danko in their book &#8216;The Next Door Millionaire&#8217; to determine how self-made millionaires made their money.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There is an easy way to calculate how wealthy you are. To do so, multiply your age by your gross income and divide the result by ten. You are considered wealthy if your net wealth is equal to or greater than the remainder.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Experts in India believe the divisor should be 20 rather than 10. For instance, if you are 30 years old and your total salary is Rs 12 lakh, your net worth must be at least 18 lakh to be considered wealthy.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><b>Key Takeaways<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It is recommended to monitor asset allocation in terms of risk profile and goals rather than age. Bear in mind that <a href=\"https:\/\/kuvera.in\/explore\/stocks\/c\/all\">stocks investment<\/a> take a long time to provide the expected returns. If you only have a limited time to achieve your goals, consider debt investing.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There is no universal rule for variables like your risk tolerance, time to achieve your goals, and age. However, you might make approximate selections by aligning your objectives with the nature of assets. After allocating assets all at once, you cannot be passive. Keep track of asset performance and, if it is not in line with your aims, rebalance the asset allocation periodically.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>Some financial rules of thumb never go out of style. When combined with excellent investments, these standards will keep you financially secure.<\/p>\n<p>&nbsp;<\/p>\n<p>Conclusion<\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bear in mind that there is no one-size-fits-all remedy to improve your financial situation. The <\/span><b>thumb rules <\/b><span style=\"font-weight: 400;\">mentioned here should be a starting point. After which, adjust them depending on your risk tolerance, inherited wealth, and personal goals. Before you invest your money, you must first understand why you are doing so.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>The thumb rules of investing are founded on real-world experiences. So, while you can use these rules in everyday life, they should never be considered absolute truth. Understanding the nuances of how they can\u2014or cannot\u2014support a portfolio strategy, will help you to use your investments optimally. You can always take help from financial experts like Kuvera if you want to make wise investment decisions.<\/p>\n<p>&nbsp;<\/p>\n<p><b>FAQs<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Whats_the_no_1_thumb_rule_of_investing\"><\/span>What\u2019s the no. 1 thumb rule of investing?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You should invest 30% of your monthly salary in dividends for your future generation. After which, 30% can be invested with equal allocation to equity and debt components. 30% of your retirement funds should be invested in income-generating debt schemes.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"What_thumb_rule_of_investing_must_be_used_to_calculate_ROI\"><\/span>What thumb rule of investing must be used to calculate ROI?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Use the Rule of 72 if you want to measure the returns of your investment at a future date.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"What_is_considered_a_good_annual_rate_of_investment\"><\/span>What is considered a good annual rate of investment?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you are getting an interest rate of 10% or more in your long-term investments, you will be able to cultivate significant growth in the future.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p><iframe loading=\"lazy\" title=\"Kuvera Insights\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/videoseries?list=PLDSzQdT9nLmCysU31bg4Ngh7WY2p3UiiI\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\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<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Any new investor&#8217;s first hurdle is to make life-changing choices from thousands of investment options available in the market. The sheer amount of possibilities and associated risks could be overwhelming for anyone. By following certain time-tested thumb rules, you can simplify your decision making process, and learn how to save money, manage your investments and [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":11723,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[118,91],"tags":[403,809,810,808,652,807,806],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Top Thumb Rules of Investing You Should Know - Kuvera<\/title>\n<meta name=\"description\" content=\"Here is the list of popular list of thumb rules, that helps you in reducing the complexity in the investment and to make the decisive decisions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/the-top-thumb-rules-of-investing-you-should-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Top Thumb Rules of Investing You Should Know - 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