Why You Don’t Need to Be Rich to Start Investing in Mutual Funds

One of the biggest myths around investing is that it’s a playground for the wealthy. That you need to have a fat paycheck or inherited money to begin. But in reality, mutual funds are one of the most accessible investment tools out there, you can start with as little as ₹100.

Why it works:

• SIPs (Systematic Investment Plans) make it easy to invest small, consistent amounts each month, just like a subscription for your future.

• Compounding turns your modest contributions into significant gains over time, the earlier you start, the greater the snowball effect.

Example: ₹500/month SIP at 12% annual return = ₹1.15 lakh in 10 years. That’s the power of patience and discipline, not a lottery ticket.

Apps like Multipl make this even easier by connecting your saving goal with mutual fund investing. So you’re not just saving money passively, you’re “Spendvesting” for something meaningful, whether it’s your next phone, a family trip, or your child’s school fees.

Conclusion

You don’t need to wait for a perfect salary, promotion, or windfall to begin. You just need to start- small, smart, and steady. Wealth isn’t built overnight; it’s built habitually. And mutual funds give everyday people like us a shot at financial freedom.

So next time you think, “I’ll invest when I earn more,” remember this: the best time to start was yesterday. The second-best time? Today.