Best Investment in 2025 in India What No one tells you about investments

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From ₹500 to Financial Freedom: Saad's Inspiring Investment Journey

Meet Saad. A 20-year-old office assistant in a small town in India, earning ₹15,000 a month. No business background. No family wealth. Just a deep desire to change his financial future and get married as soon possible .

In just 7 years, Saad went from living paycheck to paycheck to building a net worth of ₹25 lakhs, all through smart financial planning and disciplined investing.

This is Saad 's story—and it could be yours too.

Chapter 1: Rock Bottom to Wake-Up Call

In 2016, Saad moved to Pune for a job after finishing college. He had no financial knowledge and no skill at all . Like many, he spent most of his salary on rent, food, and fun and wasted without caring about it .

By the end of every month, his bank balance would be close to zero and he was sad enough of why he did so but still did not care about it in proper way .

One day, his friend Priya showed him her bank app. She had saved ₹60,000 in six months using SIPs (Systematic Investment Plans).

Saad  was shocked.

"How did you do that with the same salary as mine?" he asked.

Priya smiled and replied, "I pay myself first."

Chapter 2: The ₹500 Beginning

Inspired, Saad  opened a savings account and started a SIP of ₹500 in a mutual fund.

Yes—just ₹500/month.

He also made a budget for the first time using the 50/30/20 rule:

  • 50% for needs (rent, bills, food)

  • 30% for wants (entertainment)

  • 20% for savings/investment

To free up money, Saad:

  • Started cooking at home instead of eating out

  • Bought second-hand clothes and gadgets

  • Took public transport instead of cabs

Every rupee saved was a rupee invested.

Chapter 3: Learning the Basics

Saad knew he needed to understand where his money was going.

So, he started reading simple blogs like:

  • Groww

  • ET Money

  • Investopedia

He learned the difference between:

  • Stocks – Ownership in companies (high risk, high return)

  • Bonds – Lending to companies/government (low risk)

  • Mutual Funds – Pooled investment from many people

  • ETFs – Like mutual funds but traded on stock exchanges

Chart: Types of Investment (with Risk & Return)

Investment TypeRisk LevelReturn Potential
StocksHighHigh
Mutual FundsMediumMedium–High
BondsLowLow–Medium
FDsVery LowVery Low

Chapter 4: Growing the Habit

By 2018, Saad  increased his SIP to ₹2,000/month.

He used auto-debit to make it effortless. The money would leave his account on the 5th of every month.

"If I never see it, I never miss it," he said.

He also built an emergency fund with 3 months of expenses in a savings account.

Now he felt confident and he was also becoming more careful about his money day by day .

Chapter 5: When the Market Fell

In March 2020, during COVID, the stock market crashed.

Saad saw his ₹80,000 portfolio drop to ₹56,000.

Panic? No.

Thanks to what he'd learned, he stayed calm. He remembered:

  • Markets always recover

  • Stick to long-term goals

  • Don’t time the market

Instead of selling, Saad invested an extra ₹5,000.

That move paid off. By late 2021, his portfolio had grown to ₹1.2 lakhs.

Chapter 6: The Power of Compounding

By 2022, Saad’s monthly SIP was ₹5,000. He also started a PPF account (Public Provident Fund) and added ₹1,500/month.

Here’s how his investments looked:

Infographic: Rahul’s Investment Growth (Approximate)

YearTotal InvestedInvestment Value
2016₹6,000₹6,150
2017₹18,000₹19,500
2018₹42,000₹46,800
2019₹72,000₹84,600
2020₹1,20,000₹1,15,000 (post-crash)
2021₹1,80,000₹2,05,000
2022₹2,55,000₹3,10,000
2024₹4,00,000+₹6,00,000+

Chapter 7: More Than Just Money

Saad  didn’t just grow his bank balance.

He also:

  • Cleared all his credit card debt

  • Helped his sister with her college fees

  • Took a vacation without EMI stress

  • Started a side hustle: freelancing content writing

His dream now? To be financially independent by age thirty.

Chapter 8: Saad’s Financial Rules

Here are Saad’s top personal finance mantras:

  • Budget every month

  • Start small, stay consistent

  • Avoid lifestyle inflation

  • Read before you invest

  • Don't chase “get rich quick” schemes

  • Buy assets, not liabilities

  • Always have an emergency fund

Moral of the Story

Saad’s journey is proof that:

"You don’t need a big salary to invest. You need a big reason."

If he can build wealth from ₹500/month, so can you.

The key? Start now. Stay disciplined. Let time do the magic.

FAQs: Saad’s Story & Financial Lessons

Q1: Can I really start investing with ₹500?

Yes. Many mutual fund platforms allow SIPs starting at ₹100. Starting is more important than the amount.

Q2: What if I don’t understand the stock market?

Start with mutual funds. Choose a beginner-friendly platform like Groww, Zerodha Coin, or Paytm Money. You don’t need to be an expert—just consistent.

Q3: What is a SIP?

SIP stands for Systematic Investment Plan. It allows you to invest a fixed amount regularly (monthly/weekly) in mutual funds. It builds discipline and reduces market risk.You also know where your wealth is going 

Q4: How long should I invest?

At least 5–10 years. Longer time means more power of compounding—your money earns interest, and that interest earns more interest.

Q5: Is PPF a good investment?

Yes. It’s safe, government-backed, tax-free, and gives decent returns (7–8% per year). Best for long-term savings like retirement.

Q6: What if I can’t save 20% of my income?

Start with whatever you can—₹100, ₹300, ₹500. The important part is to build the habit and break the bad ones . Increase as your income grows.

Final Words

Saad ’s journey shows that smart financial planning isn’t just for the rich. It’s for anyone who dares to dream, learns to budget, and commits to long-term investing.

You don’t need to start big. You just need to start now.

“Little drops of water make a mighty ocean.”

Are you ready to write your own success story?


Thanks for reading them out i hope that you might have got the point from this story if you want to hear more stories related to financial and investment then please consider subscribing to our news letter 

Till Then Take care and Goodbye 


Regards.

Mindset Mastry 


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