You’re 20, earning a little, maybe studying, maybe freelancing. You’ve got expenses: food, phone bills, outings, and yes—Netflix. So the idea of saving or investing might feel boring, or even impossible.
But what if we told you that you can start investing as little as ₹100–₹500 a month, build serious wealth by 30 or 40, and still chill with Netflix?
Let’s show you exactly how to start a Systematic Investment Plan (SIP) in your 20s without giving up fun, freedom, or friends.
First, What’s a SIP?
A Systematic Investment Plan (SIP) is a way of investing small amounts regularly in mutual funds. You choose how much you want to invest—monthly, weekly, or even daily.
Think of it like a subscription. But instead of Netflix giving you movies, your SIP gives you wealth and returns.
Why Start a SIP at 20?
Most people wait until their 30s or 40s to start investing. Here’s why starting early gives you a huge advantage:
Starting at 20 gives you more time to grow your money, even with small amounts.
Can You Still Afford Netflix?
Yes. Netflix mobile plan costs ₹149/month. Basic plan is ₹199/month.
If you budget smartly, here’s how ₹1,000/month can work:
- ₹500 SIP
- ₹149 Netflix
- ₹351 for treats, phone bills, etc.
Still affordable. The trick is control, not cancellation.
How to Start a SIP in 5 Easy Steps
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Set Your Monthly Budget
Decide how much you can invest without hurting your lifestyle. Even ₹100 is fine to begin with. -
Choose a Trusted App
Use beginner-friendly platforms like:-
Zerodha Coin
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Groww
-
Paytm Money
-
Kuvera
-
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Pick the Right Fund
For beginners:-
Large Cap Funds (lower risk)
-
ELSS Funds (for tax-saving)
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Hybrid Funds (mix of equity & debt)
-
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Set Auto-Debit
Link your bank account and set a fixed debit date—so you never miss a month. -
Track & Chill
Don’t check daily. Look at your growth every 6–12 months.
Pro Tips for 20-Something Investors
- Start small, but start early
- Be consistent—even if income is irregular
- Reinvest every rupee you save from budgeting
- Use SIP calculators to stay motivated
- Don’t withdraw early—let compound interest do its magic
“But I Don’t Earn Yet…”
Even if you’re a student or job seeker, you can:
- Start with just ₹100/month
- Use pocket money, internship stipends, or freelancing earnings
- Learn the habit of investing before you earn big
Remember: The habit matters more than the amount in the beginning.
Also Read :- Top Life Skills You Should Learn Before You Turn 25
By the Time You’re 30…
If you invest just ₹500/month from age 20:
- You could have ₹1.15–1.5 lakh by age 30
- More importantly, you’ll have the habit of investing
- While your friends are just starting, you’re already ahead
Final Takeaway
You don’t have to give up Netflix, parties, or fun to invest. You just need to make smart choices. With as little as ₹500/month, you can build serious wealth—and still chill guilt-free.
It’s not about how much you earn—it’s about how well you manage it.
Read more on our website: Future Ready, your go-to platform for the best educational content and latest updates
