Life’s Big Moments Deserve Big Planning: How Indians Undervalue Goal-Based Saving

Why We Plan Everything… Except the Money

In India, we love planning life’s milestones. A wedding can take a year of scouting venues, sampling menus, and curating outfits. Parents start shortlisting colleges for their kids years before admission season. Families sit together to map out dream vacations, from Europe to Bali.

But when it comes to money? Too often, the plan is missing. Instead, we fall back on loans, credit cards, or last-minute scrambling from savings. The emotional high of the moment is intact, but the financial stress lingers long after the milestone is over.

The Hidden Cost of Not Planning Ahead

Most Indians still treat major expenses as one-time shocks. The result:

• Weddings end up bloated with high-interest personal loans.

• Education fees are met with credit cards or EMI schemes, adding hidden costs.

• Vacations shrink in size because inflation erodes the “savings account stash.”

This isn’t about delayed gratification. It’s about spending smarter when the moment arrives.

Goal-Based Saving: The Smarter Alternative

Here’s where goal-based saving flips the script:

• You set a specific goal (say, ₹5 lakh for a wedding or ₹1.5 lakh for a Europe trip).

• You give it a timeline (12–18 months).

• Instead of letting money idle in savings, you invest strategically in short-term mutual funds.

• By the time the big day arrives, your money has grown and you’ve got extra savings from brand discounts too.

This isn’t about waiting forever. It’s about being ready, confident, and financially stress-free when your milestone comes knocking.

Why Multipl Fits Right In

Multipl makes this process effortless:

• You create a goal inside the app, wedding, education, travel, or anything else.

• Your money is invested in handpicked mutual funds matched to your timeline.

• On top of returns, you get exclusive brand discounts on flights, hotels, furniture, jewelry, and more.

So instead of just saving for a wedding or holiday, you’re actually spendvesting; spending smarter by investing ahead.

The Bottom Line

Life’s big moments deserve more than just excitement. They deserve smart planning that matches the emotional importance of the event.

Because in the end, the memory of your child’s graduation, your dream wedding, or your first Europe trip shouldn’t be tied to financial anxiety. With goal-based saving and Multipl’s spendvesting, you make sure your finances rise to the occasion without loans, without stress, and without compromise.