All investors start their journey by having the same thought. Is it better to start small, and early, or to wait until you can invest larger sums? This question appears simple, but to learn about investing at the right time is important.

Let us take two investors who we will call Aarav and Meera. Aarav begins today, investing ₹15,000 a month for 20 years. Meera defers starting and has wasted five years, and then starts contributing aggressively ₹20,000 a month for 15 years. Both contribute nearly the same amount altogether. At the end, when their investment clocks stop, the results are startlingly different.

Before you decide which SIP strategy suits you, let’s break down this game of compounding and uncover which investor truly wins — and why the difference might shock you.

Round 1:

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