{"id":15706,"date":"2022-08-29T00:12:31","date_gmt":"2022-08-28T18:42:31","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=15706"},"modified":"2022-08-29T14:08:54","modified_gmt":"2022-08-29T08:38:54","slug":"why-are-people-scared-to-start-investment-in-india-kuvera","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/why-are-people-scared-to-start-investment-in-india-kuvera\/","title":{"rendered":"Why are people scared to invest in India"},"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-69eb2ea29c795\" 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-69eb2ea29c795\"><\/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-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/why-are-people-scared-to-start-investment-in-india-kuvera\/#Financial_myths_that_stop_people_from_investing\" title=\"Financial myths that stop people from investing\">Financial myths that stop people from investing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/why-are-people-scared-to-start-investment-in-india-kuvera\/#Frequently_asked_questions\" title=\"Frequently asked questions:\">Frequently asked questions:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/why-are-people-scared-to-start-investment-in-india-kuvera\/#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><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Historically, Indians have always been on top of their finances. We have been taught from a very young age to save, live within our means, reuse things and look for the cheapest alternatives.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Investing on the other hand has never been taught or encouraged by Indian parents to their kids. It&#8217;s not like we don&#8217;t believe in investments, traditionally Indians generally believe in three types of investments:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fixed deposits and Recurring deposits<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Before the digital age, FDs and RDs were the most convenient form of investments as these were easily available in regional banks, post offices, etc.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Any other investments like mutual funds and stocks required a lot of hassle and heavy paperwork. They were also much riskier for an average financially unaware person.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-15710\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/5b5ff9fcb29a2-300x225.jpeg\" alt=\"Indian parents on FD meme\" width=\"400\" height=\"300\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/5b5ff9fcb29a2-300x225.jpeg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/5b5ff9fcb29a2-150x113.jpeg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/5b5ff9fcb29a2.jpeg 480w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gold\u00a0<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">India is the home to the largest privately owned gold. It is estimated that Indian women hold about 11% of the world\u2019s gold reserve. This is primarily due to the status symbol associated with it.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-15724\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/0e8c65548dbbd2d38706f0940ec6c3e628c20665149ca2b119659c0162c71435-300x226.jpg\" alt=\"gold investment meme - Kuvera\" width=\"400\" height=\"301\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/0e8c65548dbbd2d38706f0940ec6c3e628c20665149ca2b119659c0162c71435-300x226.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/0e8c65548dbbd2d38706f0940ec6c3e628c20665149ca2b119659c0162c71435-150x113.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/0e8c65548dbbd2d38706f0940ec6c3e628c20665149ca2b119659c0162c71435.jpg 415w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Traditionally, gold has also been the only form of a valuable asset that women were allowed to hold. This coupled with the fact that the price of gold has remained relatively stable over the years made it a sensible investment.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">But in order to invest in gold, you need a large sum of money and since it is a physical asset, the chances of it getting stolen or misplaced are high. You also lose a lot of money in making charges for gold jewelry.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Real estates<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Real estate like land and houses have also been a go-to investment for Indians. The problem here is that buying any form of real estate requires a lot of capital and careful planning. It also requires you to get loans, pay EMIs, ensure maintenance of the property, etc. which adds to the expense.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Many people don\u2019t invest in real estate until they are in their 30s or 40s and are financially stable enough to make the commitment.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"alignnone wp-image-14483\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-300x98.jpg\" alt=\"kuvera-fixed-deposit-online\" width=\"400\" height=\"130\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-150x49.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1.jpg 1080w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">One of the key things to note here is that back in the day investment in real estate was also done for survival and not for wealth building. Having your own house means that you always have a place to live even when things are not going well.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">While these are not bad investments to have, these are very low-risk investments and the returns for these are not enough to combat the inflation rate. They are also not easy to manage and track.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">But with Kuvera you can track all your investments with ease. You can track gold, start and track FDs with just your smartphone.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Financial_myths_that_stop_people_from_investing\"><\/span><b>Financial myths that stop people from investing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><b>Investment is risky:<\/b><span style=\"font-weight: 400;\"> This is partially true. All forms of investment involve a certain risk. But saving your money in your bank account is also risky as the value of your money decreases due to inflation.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Also, investments in stocks and mutual funds have lesser risk if you plan to invest long-term. If your investment duration is 10 to 15 years, then short-term changes and fluctuation should not be an issue as they always even out in the long term.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, diversification is important in order to minimize the risk. You should allot your money in FDs, mutual funds, digital gold, and stocks proportionately to minimize the risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Investment is expensive:<\/b><span style=\"font-weight: 400;\"> This is a clear myth. The minimum amount needed to invest in mutual funds in India is 100 rupees only. Similarly, there is no minimum amount needed to invest in stocks, you can start with 10 rupees only.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Why should you invest?\u00a0<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-15709\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Black-And-Orange-Investing-Quotes-Instagram-Post-300x300.jpg\" alt=\"why should you invest - Kuvera\" width=\"400\" height=\"400\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Black-And-Orange-Investing-Quotes-Instagram-Post-300x300.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Black-And-Orange-Investing-Quotes-Instagram-Post-1024x1024.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Black-And-Orange-Investing-Quotes-Instagram-Post-150x150.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Black-And-Orange-Investing-Quotes-Instagram-Post-768x768.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Black-And-Orange-Investing-Quotes-Instagram-Post-96x96.jpg 96w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Black-And-Orange-Investing-Quotes-Instagram-Post.jpg 1080w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The most important reason that any investor or expert will give you is that investment is essential to tackle the inflation rate.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When you invest in FDs, your returns are generally around 4% whereas the inflation rate in India is around 5% to 10%, this means that if you keep saving your money or invest in FDs, then the value of your money is depleting.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Things have drastically changed in the past few years. Digitalization has removed the hassle of paperwork, cash transactions, and frequent trips to the bank. All forms of investments have become easier than ever with just your smartphones.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Moreover, the amount needed to start any form of investment has also become very nominal. You can start your mutual funds at just Rs.100. And it has also become very convenient to track or shift your investments as per your need.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It has become very easy to learn and acquire information about personal finances and investments. Investor education has never been this easy. With a click, you can find out any information that you need.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>What happens if you don&#8217;t invest?<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you only save or invest in low-return investments like FDs or high-maintenance investments like real estate you will lose your money in the long term. Because inflation will depreciate the value of your money which is in the form of FDs and savings while regular maintenance charges will eat up your money in real estate.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-15707\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Blue-Green-Gradient-Professional-Finance-Quote-Instagram-Post-300x300.jpg\" alt=\"warren buffet quotes on investment\" width=\"400\" height=\"400\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Blue-Green-Gradient-Professional-Finance-Quote-Instagram-Post-300x300.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Blue-Green-Gradient-Professional-Finance-Quote-Instagram-Post-1024x1024.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Blue-Green-Gradient-Professional-Finance-Quote-Instagram-Post-150x150.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Blue-Green-Gradient-Professional-Finance-Quote-Instagram-Post-768x768.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Blue-Green-Gradient-Professional-Finance-Quote-Instagram-Post-96x96.jpg 96w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/Blue-Green-Gradient-Professional-Finance-Quote-Instagram-Post.jpg 1080w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you don\u2019t invest your money now, then you are not planning for a comfortable life after retirement or in times of financial crisis.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">During Covid 19, millions of people lost their jobs, and incurred losses in business, and even people with well-paying jobs were badly affected. The future is unpredictable, so it is our job to prepare for the worst-case scenario and investment is one of the best ways to do it.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It gives you the financial freedom to make important decisions in life.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/play.google.com\/store\/search?q=kuvera&amp;c=apps\">Download Kuvera<\/a> today and start your investment journey.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><b>How should you invest your money?<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">As stated before, you should diversify your investment portfolio. Depending on the level of risk you want to undertake, allot your funds in different forms of investments. Stocks are high-risk and high-return investments whereas FDs are low-risk and low-return investments.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Mutual funds are moderate-risk investments with good returns and have become very popular amongst young investors in recent years.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>How much return does a mutual fund offer?<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A thoroughly thought-after mutual fund can give you a return as high as 12%. They are also tax efficient.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Is it safe to invest in mutual funds?<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">All investments are prone to a certain degree of risk. The main thing to look out for is whether the AMC ( Asset Management Company ) that you are choosing is trustworthy or not.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Also, SIP ( systematic investment plans) are a much safer way to invest in mutual funds as they balance the risk and ensure a lesser loss.\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>&nbsp;<\/p>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/N1li1d9X0jw\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a> and <a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and <a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Historically, Indians have always been on top of their finances. We have been taught from a very young age to save, live within our means, reuse things and look for the cheapest alternatives.\u00a0 &nbsp; Investing on the other hand has never been taught or encouraged by Indian parents to their kids. It&#8217;s not like we [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/why-are-people-scared-to-start-investment-in-india-kuvera\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":15708,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[335,1],"tags":[1453,546,792,67,57],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why are people scared to start investment in India? - Kuvera<\/title>\n<meta name=\"description\" content=\"Most young earners in India either don&#039;t have investment or still believe in investing in FDs, gold or real estates.\" \/>\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\/why-are-people-scared-to-start-investment-in-india-kuvera\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why are people scared to start investment in India? 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