Is it too early to do investment?

Two friends, Amrit and Anand, were studying in college and got placed soon after graduation. Amrit received a package of INR 13 lakhs per annum, while Anand secured a job offering INR 6 lakhs per annum. Amrit believed that youth was meant for enjoying life and that saving could be done later. With his higher income, he also adopted a lifestyle similar to that of his colleagues, including renting a flat in a society for INR 15,000 per month. Anand had a different mindset. He always considered wealth to be a personal support system that would help during times of need. He believed that beyond a certain standard of living, spending should not be done blindly, as problems do not consider one's age. Without realizing it, Amrit started spending INR 25,000 per month while taking home only about INR 80,000 per month. Whatever he managed to save was spent on gadgets, trips, and other lifestyle expenses. Gradually, after two years, Amrit had only INR 1.5 lakhs left in his account. Anand kept his monthly expenses fixed at INR 10,000 out of his INR 40,000 monthly salary. He also invested INR 7,500 every month across different opportunities to build wealth while saving on taxes. He chose to seek professional guidance from Bullstockindia, realizing that successful investing is not just about saving money but also about making informed decisions that generate better returns. Gradually, after two years, Anand had accumulated INR 3.5 lakhs in his account. Amrit eventually realized that a higher salary alone could not make him wealthy. In a difficult way, he came to understand the complexities of wealth creation. It was then time for both friends to get married and begin the next chapter of their lives with their spouses.

I can manage my own investments, can't I?

Quite mature now, Amrit started planning his investments on his own. He began saving a decent amount and allocating it across various opportunities. However, he found that the returns were not good enough. His expectations were much higher than the realities he encountered. To achieve higher returns, he started taking greater risks and channeling his money into multiple investments. Ultimately, most of the high-risk investments resulted in losses, and because his investments were spread across different avenues, it became difficult for him to keep track of potential red flags. Anand had fully realized from his previous experience that these matters require careful planning and dedicated attention, and that the level of criticality involved cannot be managed part-time. Also, funnily enough, the returns an investment can generate have no limits. The better the plan, the better the outcomes. At times, things may take time, but Anand clearly knew that investing is done with a long-term vision. He entrusted the entire process to Bullstockindia while keeping track of the plans. He had accepted the simple truth that investment is nobody’s privilege—it is a birthright. And today’s poverty can only be transformed into tomorrow’s riches through investment.

The Seeds We Sow in Life

Amrit had a good career path so far. He was enjoying promotions and a happy family life with his son and daughter ready to join college. He had saved much but the expenses future demanded were quite high. Kids wanted to go abroad to study further and the home loan had been taking a toll already. Marriage of children, enough savings for old age to live the dream retirement, etc. Amrit at 45 felt the heat of the lack of assets in his life. Money had come and money had gone. He was looking at loans and the plans to pay back the loan. Anand sent his two daughters for their studies and simultaneously paid back the large chunk of his loans. Most of his long-term investments had multiplied into sums that could let him live his old age as he had planned. But still a client of Bullstockindia, he decided to not hurry and liquidate things with a strategy, while following his golden rule - Problems see nothing. And the recent investment he did in his mother’s surgery by liquidating one of his past investments solidified his belief in letting the planned approach continue for ‘you never know’ and ‘you can never be ready’.

The Fruits

Amrit retired finally with a good chunk saved with him, good enough to pay back the loans on time and have a fine retired life. An honorable man who had addressed his responsibilities well, Amrit felt that the richness he had imagined as a young boy didn’t really come to him. He started contemplating what exactly is being wealthy is? And finally concluded that wealth is an aggregation of a lifetime, done across a lifetime. To achieve the same, one can never be too early. Anand also retired, with a lot of returns waiting for him. He planned to start re-investing, not because of the need but more for the fun. As a financially stable man, he could engage with better deals and actually start enjoying the process. Still engaged with Bullstockindia, Anand got more involved as it became more than a basic necessity of life. Anand felt that he had taken the right decisions. Wealth can never be generated just like that but accumulated through proper management.

Moral?

The world we live in, money dynamics have changed. The majority of the efforts in our life is towards creating wealth. And after a few years we realize, managing the wealth was the actual area of challenge. Unfortunately, in the formal education system, money management skills are not taught. And the result, chaos, confusion, anxiety, fear, sometimes feeling blank! Also, it is always told that investment is something which shall be done only when you have a large sum of wealth in your reserves, surplus so that you can start worrying - what do with so much of wealth? But no, sorry you have been a victim of myths. Surplus wealth is an outcome but not a state one reaches randomly. We at Bullstockindia exactly know how to make that outcome happen for you and as our friends Amrit and Anand taught us with their story, no time is the right time. The earlier the better!