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Karunakar CH

Stealth • 2m

Motivational Quote for the Day "An investment in knowledge pays the best interest." – Benjamin Franklin Story Format: The Tale of Arjun's Investment Journey Arjun was a 22-year-old who had saved ₹10,000 from his part-time job. One day, his mentor Ravi asked him, "What do you plan to do with your money?" Arjun replied, "I’ll keep it in my savings account and let it grow." Ravi smiled and said, "That’s a good start, but do you know how much your savings account will give you after 10 years with 3% annual interest?" Arjun did some math and found it would grow to about ₹13,439. Ravi then explained, "If you invested that money wisely, it could potentially grow far more over time." Ravi introduced Arjun to the basics of investment: Time Value of Money (TVM): Money today is worth more than the same amount in the future due to its earning potential. This is why investments grow over time. Types of Investments: Stocks: Buying ownership in companies; high risk, high return potential. Bonds: Lending money to governments or companies; lower risk than stocks but with moderate returns. Mutual Funds: A pool of money invested in various stocks or bonds, managed by experts. Real Estate: Buying property for rental income or future resale. Gold and Commodities: Assets that hold value during economic uncertainty. Fixed Deposits (FD): Low-risk savings plans with guaranteed returns. Risk vs. Return: Ravi emphasized that high returns often come with high risk. He taught Arjun to balance investments using the Rule of 100: Subtract your age from 100 to determine the percentage of your portfolio to allocate to stocks. For Arjun, that was 78% stocks and 22% safer options like bonds. Start Early and Compound Growth: Ravi showed Arjun how ₹10,000 invested in a mutual fund with a 12% annual return would grow to ₹30,000 in 10 years and ₹100,000 in 20 years due to compounding (earning interest on your interest). Follow Our Medium blog for Finance and Business insights like this: https://medium.com/@FoundrBite

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