{"id":1579,"date":"2018-07-20T03:18:35","date_gmt":"2018-07-20T03:18:35","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=1579"},"modified":"2019-06-10T09:28:07","modified_gmt":"2019-06-10T09:28:07","slug":"top-4-reasons-the-young-and-the-restless-dont-invest","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/top-4-reasons-the-young-and-the-restless-dont-invest\/","title":{"rendered":"Top 4 reason\u2019s the young and the restless don\u2019t invest!"},"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-69e3d1f511ef0\" 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-69e3d1f511ef0\"><\/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-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/top-4-reasons-the-young-and-the-restless-dont-invest\/#Whats_the_rush_Ill_start_later\" title=\"What\u2019s the rush? I\u2019ll start later\">What\u2019s the rush? I\u2019ll start later<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/top-4-reasons-the-young-and-the-restless-dont-invest\/#I_have_to_buy_the_latest_device\" title=\"I have to buy the latest device \">I have to buy the latest device <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/top-4-reasons-the-young-and-the-restless-dont-invest\/#YOLO\" title=\"YOLO\">YOLO<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/top-4-reasons-the-young-and-the-restless-dont-invest\/#I_have_to_keep_up_with_my_friends\" title=\"I have to keep up with my friends\">I have to keep up with my friends<\/a><\/li><\/ul><\/nav><\/div>\n<h5><span class=\"ez-toc-section\" id=\"Whats_the_rush_Ill_start_later\"><\/span>What\u2019s<strong> the rush? I\u2019ll start later<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Yes, time is on your side. But that\u2019s exactly why you should save and invest now. Money grows on a simple concept \u2013 compounding. And compounding takes time.<\/p>\n<p>Here is a simple example &#8211;<\/p>\n<p>1\/ Ram starts investing Rs 5,000 every month when he is 25.<\/p>\n<p>2\/ Shyam starts investing Rs 15,000 every month when he is 35.<\/p>\n<p>Both invest till they are 60 and both earn 12% per year on their investments.<\/p>\n<blockquote><p><strong>At 60, Ram has invested Rs 21 lakhs and has a retirement kitty of ~2.5Cr. Shyam invested Rs 45 lakhs and has a retirement kitty of ~2Cr. Who would you want to be? This is the advantage of compound interest. Start when you have all the time in the world.<\/strong><\/p>\n<p>&nbsp;<\/p><\/blockquote>\n<p><img loading=\"lazy\" class=\"aligncenter size-full wp-image-1580\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2018\/07\/batman_compounding.png\" alt=\"\" width=\"413\" height=\"407\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/07\/batman_compounding.png 413w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/07\/batman_compounding-300x296.png 300w\" sizes=\"(max-width: 413px) 100vw, 413px\" \/><\/p>\n<h5><span class=\"ez-toc-section\" id=\"I_have_to_buy_the_latest_device\"><\/span><strong>I have to buy the latest device <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Splurging on the latest mobile phones and electronics can be very expensive. Upgrade when you need a new device, and not when you want a new device. This requires a bit of self-control and zen-mentality as the urge to show off may be high. It is bad for you and bad for mother earth &#8211; think of all the landfills we are creating of discarded electronics.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"YOLO\"><\/span><strong>YOLO<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Yes, you are the YOLO generation. And true the world is your oyster and travel is a very enriching experience. But, the world is not going anywhere. All the experiences will still be there in 5 or 10 years. Prioritize savings in your budget just as you prioritize travel and other cultural experiences. Start small if you must but do start and keep going at it. Saving and investing, like other habits, require practice.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"I_have_to_keep_up_with_my_friends\"><\/span><strong>I have to keep up with my friends<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Keeping up with the Joneses is real and affects us all. But draw the line if you can\u2019t afford a Guess bag or one too many nights of drinking at an expensive pub. If you have good friends, they will understand. Or you will make friends who do J Live your life on your terms \u2013 be the free individual you see yourself as.<\/p>\n<p>Everyone\u2019s financial situation is different, and therefore not everyone is able to allocate the same percentage of his or her income towards investing. However, everyone should be investing (even a small amount) money on a regular basis. A SIP in a Mutual Fund provides a simple way to start investing.<\/p>\n<p><em>This article was initially published by <\/em><a href=\"https:\/\/www.cnbctv18.com\/views\/here-are-the-top-4-reasons-the-young-and-the-restless-dont-invest-316791.htm\" target=\"_blank\" rel=\"noopener\"><em>CNBCTV18 <\/em><\/a><em> in the <strong>Personal Finance <\/strong>section. <\/em><\/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 <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>What\u2019s the rush? I\u2019ll start later Yes, time is on your side. But that\u2019s exactly why you should save and invest now. Money grows on a simple concept \u2013 compounding. And compounding takes time. Here is a simple example &#8211; 1\/ Ram starts investing Rs 5,000 every month when he is 25. 2\/ Shyam starts [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/top-4-reasons-the-young-and-the-restless-dont-invest\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":1581,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[91],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 4 reason\u2019s the young and the restless don\u2019t invest! - Kuvera<\/title>\n<meta name=\"description\" content=\"Time is on your side and you should invest now. Money grows on a simple concept \u2013 compounding. And compounding takes time. 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