Re. The Real Risk Is Not Investing Enough

You’ve heard about market risk, interest rate risk, and even geo-political risk…
but there’s one risk nobody talks about enough —

The risk of not investing enough.

Let’s be honest.
Most of us think of investing as a “good habit,” like drinking more water or eating fewer sweets.
But the truth is — investing is not optional anymore.
It’s survival in slow motion.

The Silent Erosion

Imagine this:
You earn ₹1 lakh a month, and proudly save ₹20,000 in your bank account.
Feels great, right?

Now let’s fast forward 20 years.
That ₹20,000 — even if you keep doing it diligently — will not buy you the same things.
Why?
Because inflation has a quiet hobby: eating purchasing power for breakfast.

Even at a modest 6% inflation rate, your ₹1 today will need to become ₹3.21 just to stay equally valuable in 20 years.

So, the real question is — are your investments growing at least 6–8% after taxes?
If not, your “savings” are just money losing weight.

The ₹10,000 Test

Let’s play a game:
If you invest ₹10,000 a month for 25 years, here’s what you get depending on your rate of return:

So yes, the difference between “safe” and “smart” investing is not in risk — it’s in results.
You’re not taking more risk; you’re just giving your money a fighting chance.

The ₹50 lakhs Test

Now let’s assume you have shares or FD lying around and that’s more than Rs. 50 lakhs, that you are not tracking/monitoring. Let’s see how it grows:

So yes, the money grows 6x in 10 years if you chose to put your money on the earning path with PMS.

The Emotional Angle — Peace of Mind is the Real Return

When you don’t invest enough, you don’t just lose returns — you lose peace.
Because uninvested money keeps whispering in your mind:

Investing enough is not greed.
It’s self-respect — for your future self, your family, and your freedom.

Let’s Flip the Script

The question isn’t:
“How risky is the stock market?”

The real question is:
“How risky is it to depend only on my salary or business forever?”

We’ve seen markets recover from pandemics, wars, and elections —
but we’ve never seen wealth grow from inaction.

The Fincare Thought

At Fincare Services, we often remind investors:

Investing enough is not about chasing the next hot fund.
It’s about setting up a rhythm — to compound your money every year - that keeps your future funded while your life stays peaceful.

Start your SIP. Start your PMS. Increase it every year.
Treat your portfolio like your health — because it is.

A Visualization to Close

Imagine yourself 15 years from now —
a respected professional, sipping tea with your family, smiling because your money is serving your life, not controlling it.
Your kids’ education is sorted. Your home loan is gone.
Your investments earn more in a month than your first job did in a year.

Now imagine the opposite —
you kept waiting for the “right time” to invest.
That’s not a bad market — that’s bad math.

So, what’s the real risk?

Not market volatility. Not interest rates.
The real risk…

Start today.
Start small if you must.
But start enough.

I hope you like reading our newsletter. If you have any questions, feel free to reach out to us. We encourage each one of us to have an amazing wealth creation journey. Together, we can!

Thanks,
Tejas Lakhani
Chartered Accountant

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