investing

Why Investing is Better than Just Saving  Saving = Storing | Investing = Growing       Saving Investing  Purpose Keep money safe Grow money over time  Where? Savings account, FD Mutual funds, stocks, gold, real estate  Returns 2% – 6% p.a. 10% – 15%+ p.a. (historical average)  Risk Very low Moderate to high (varies with product)  Outcome Protect money Build wealth and beat inflation Inflation Eats Savings If inflation is 6% and your savings earn 4%, you’re losing money in real terms. Year ₹1,00,000 in Savings @ 4% Real Value (After 6% Inflation) 1 ₹1,04,000 ₹98,113 5 ₹1,21,665 ₹90,153 Invest Grows Wealth Let’s say you invest ₹5,000/month in mutual funds (SIP): Duration Total Invested Expected Return (12%) Wealth Gained 10 years ₹6,00,000 ₹11.6 lakh ₹5.6 lakh 20 years ₹12,00,000 ₹49.9 lakh ₹37.9 lakh Investing turns savings into a powerful compounding machine.  Saving Alone Can’t: Beat inflation Grow wealth significantly Help achieve long-term goals (retirement, education, home)  Final Thought: “Saving keeps your money safe. Invest makes your money work for you.”