Why start now, not later
Every year you delay compounding, you pay a real cost. A ₹5,000 SIP started at 25 vs 35 leaves a ~₹1.2 Cr gap by retirement.
Step 1 — Open a demat + trading account
Pick a discount broker (Zerodha, Groww, Upstox). Keep charges low; fancy features come later.
Step 2 — Build your foundation
Before any single stock, set up:
- An emergency fund (6 months expenses in a liquid fund)
- Term insurance for dependants
- Basic health insurance
Step 3 — Start a SIP in an index fund
A Nifty 50 index fund is boring, cheap, and it wins. Automate ₹5–10k monthly.
Step 4 — Learn before you pick stocks
Only after 6–12 months of SIP habit, start learning fundamental analysis, PE, ROE, debt-to-equity. Never invest in what you can't explain in one sentence.
Common mistakes
- Chasing tips on WhatsApp / Telegram
- Trading options before understanding equities
- Stopping SIPs when the market falls (that's literally when they work)
Ready to learn the right way? Join a free live webinar or book a 1:1 consultation.