When it comes to investing, many new investors hesitate because they feel they don’t yet have “enough money” to start. The logic seems simple — if you invest a big amount, you’ll make big returns. But in reality, waiting often costs more than it saves.
Think of investing like climbing a staircase. With small and steady steps, you can begin the journey right away and keep moving upwards. That’s what a Systematic Investment Plan (SIP) does — even with modest monthly amounts, you put the power of compounding to work. Over time, these baby steps can take you much higher than you imagine.
On the other hand, waiting for a large sum to invest is like standing in front of giant steps. They look daunting, and often impossible to climb. By the time you feel “ready,” you’ve already lost precious years that could have been compounding.
A Simple Example:
~ Person 1 starts with just ₹10,000 per month today and continues for 20 years.
Capital invested: ₹24,00,000
Corpus at 12% return: ~₹99,91,479
~ Person 2 waits 10 years, then invests double — ₹20,000 per month — for the next 10 years.
Capital invested: ₹24,00,000 (same)
Corpus at 12% return: ~₹46,46,782
~ Both invested the same total amount (₹24 lakhs), but Person 1 ends up with over ₹99 lakhs, while Person 2 ends up with less than half.
Why? Because compounding needs time, not timing.
Starting small doesn’t just build wealth — it builds habit, discipline, and resilience. With every SIP instalment, you’re training yourself to stay invested through ups and downs. Over years, this discipline matters far more than the size of your initial investment.
The Takeaway
The real “big money” isn’t about how much you start with — it’s about when you start. Take the smaller steps today, and let compounding do the heavy lifting for your future.