Youth Investment Guide: 20s Mein Investment Start Karna Kyun Hai Zaroori?

Hitesh Sharma August 07, 2025


 













👋 Introduction

Aaj ke time mein jobs mil rahi hain, paisa aa raha hai, lekin kya hum us paisa ka sahi use kar pa rahe hain?
Youth ke liye sabse bada financial mistake hota hai — saving aur investment delay karna.
Jitni jaldi aap invest karna start karte ho, utna hi zyada aapko compound interest ka benefit milta hai.

Aaiye samjhte hain ki young age mein investment karna kyun important hai, aur kaunse options aapke liye best hain.

🔑 Kyun Zaroori Hai Youth Mein Investment Start Karna?

  1. Time advantage – Compound interest ka full benefit milta hai.

  2. Risk tolerance high hota hai – Young log zyada risk le sakte hain.

  3. Early retirement possible hota hai – Agar sahi plan bana liya jaye.

  4. Financial discipline develop hoti hai – Aage chalkar loan aur debt avoid kiya ja sakta hai.

  5. Emergency funds build hote hain – Jab zarurat ho, paise ready milte hain.

💰 Best Investment Options for Indian Youth

1. SIP in Mutual Funds (₹500 se shuru)

Har mahine ek fixed amount invest karna mutual funds mein — long-term mein badi wealth create kar sakta hai.

Example: ₹2000 per month SIP for 10 years = ₹4.8 lakh invested → returns ~₹8–10 lakh (market dependent)

2. Public Provident Fund (PPF)

Safe aur tax-free return wala option. 15-year lock-in hota hai, lekin risk-free hai.

3. Stock Market (for Risk Takers)

Agar aapko stock ka basic knowledge hai, toh direct equity bhi ek achha option hai — lekin long-term view zaroor rakhein.

4. Digital Gold / Gold ETFs

Chhoti chhoti amounts mein digital gold kharidna — safe aur liquid bhi.

5. FDs for Short-Term Goals

Short-term ke liye Fixed Deposits safe rehte hain, lekin long-term ke liye returns kam hote hain.

6. NPS (National Pension System)

Retirement ke liye ek strong tool — government backed, tax benefits ke saath.

💡 Youth Ke Liye Investment Tips

  • 🔁 Start small but start early

  • 📊 Diversify karo – sab paisa ek jagah na lagao

  • 📚 Thoda financial knowledge lo YouTube ya blogs se

  • 📅 Monthly auto-debit laga do so that discipline bane rahe

  • 🚫 Crypto ya high-risk schemes se initially door raho

📈 Real-Life Example

Sneha, 23-year-old working girl, ne ₹1500 SIP se start kiya tha. Ab 3 saal baad uska corpus ₹75,000+ ho gaya hai with good returns. She started small, but consistently invested.

"Investment ek aadat hai, jo future secure banati hai."

✅ Conclusion

Agar aap apni 20s mein ho, toh aaj se hi ₹500 bhi invest karna start karo. Aapka future aapka wait nahi karega — aapko hi uske liye aaj ka step lena hoga.

Youth = Energy + Time. Use it wisely.

📌 CTA (Call to Action)

🧠 Aap kis age mein invest karna start kiya/soch rahe ho?
👇 Comments mein batayein ya post ko share karein jise iski zarurat ho!

Hitesh Sharma

Posted by Hitesh Sharma

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