Sawan Das retweetledi

A lot of people in their 20s ask me where they should invest. Here’s the simple playbook I’d follow:
- Build an emergency fund first, enough for 6–12 months
- For the first 5 years, keep it simple: One Index Fund, One Multi-Asset Fund, One Flexi-Cap Fund. Invest consistently through Step-SIPs
- Ensure at least 20% of your income goes into mutual funds
- Staying disciplined with Steps 1 & 2 builds confidence as you watch your corpus grow
- Once you cross ₹1 Cr: Diversify ~20% into Gold + REITs/Bonds/FDs, Diversify another ~20% into direct equities
- Don’t interrupt your PF contributions or MF SIPs. Long-term consistency compounds quietly
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