Rohan, a 32-year-old IT professional in Mumbai, often joked that he lived “salary to salary.” Every month began with excitement and ended with waiting for the next credit alert. His evenings were filled with café visits and online shopping, but saving for the future? That was always “next month’s problem.”
One day, as he sat in a café with his friend, he realized he had missed something more important than coffee—he had missed years of financial planning.
Why Most People Delay Financial Planning
Rohan’s story is common. Many young professionals believe:
– “I’ll start investing when I earn more.”
– “SIP amounts are too small to make a difference.”
– “I’m too young to think about retirement.”
But in reality, delaying investments costs more than you think. The power of compounding rewards those who start early.
For example, starting a ₹10,000 monthly SIP at age 25 can grow to over ₹3.8 Crores by age 55 (assuming 12% annual returns). Start at 35, and the same SIP may only give you ₹1.2 Crores.
How SIP Changed Rohan’s Financial Journey
That café conversation changed Rohan’s perspective. His friend explained:
– SIP (Systematic Investment Plan) is like planting a seed every month.
– The small amounts may look insignificant today but grow into a financial forest tomorrow.
– SIPs bring discipline, consistency, and growth—three pillars of wealth creation.
Rohan began a modest SIP of ₹8,000 per month. Three years later, not only had his portfolio grown, but he also felt financially confident. That small step had set him on a secure path.
Key Lessons from Rohan’s Story
1. Start early, start small – waiting for the “right time” is the biggest mistake.
2. Consistency beats timing – you don’t need to predict the market, just stay invested.
3. Think beyond returns – SIPs bring peace of mind and financial discipline.
4. Plan for life goals – education for kids, retirement, buying a home—SIPs help you reach them without stress.
Financial Planning in Your 30s: Why It Matters
Your 30s are the decade of decisions—marriage, home loans, kids, lifestyle upgrades. This is also when:
– Expenses increase but income also stabilizes.
– Insurance and investments become essential.
– Retirement planning must begin—because you still have 25+ years for money to grow.
Just like Rohan, your choices today will define your tomorrow.
How You Can Start Your Own SIP Journey
– Identify your financial goals (short-term and long-term).
– Calculate how much you can invest monthly.
– Choose mutual funds suitable for your risk profile.
– Stay consistent, review annually, and let compounding do the magic.
If you’re unsure, a financial planner can design the right SIP portfolio for you.
Your Money Story Starts Now
Rohan realized that wealth doesn’t come from big one-time investments, but from small consistent steps. That’s the beauty of SIPs.
Your story could be the same. Whether you’re 25, 30, or 40, it’s never too late to start—but the earlier, the better.
Are you ready to write your own story of financial freedom? Asset Elixir can guide you.