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If your salary is small, your investment amount will also be small.
At this stage, the purpose is only to learn how investing works.
Small SIPs help you build discipline, not wealth.
2. Increase the amount when your income grows
When your salary increases, your old small SIP becomes useless.
The amount must match your new income and your future goals.
If you keep investing a tiny number while earning a high income, the result will never be meaningful.
3. Match the amount to a specific goal
Decide clearly what you want:
- Retirement
- Buying a house
- Education fund
- Wealth for the future
Each goal needs a different amount. You cannot pick a random SIP value.
4. Consider how long you have
The more time you have, the less you need to invest each month.
The less time you have, the more you must invest.
Time directly decides how big your SIP should be.
5. Adjust for inflation
Future costs will be higher than today.
If something costs ₹10 lakh today, it may cost ₹20–25 lakh later.
Your investment amount must account for this increase.
6. Decide the actual number only after these steps
- Once you know:
- Your goal amount
- Your time period
- The inflation-adjusted future cost
you can calculate how much to invest every month.
This gives you the correct SIP amount for your goal, not a guess.
Simple summary for beginners
- Small income → small SIP to build habit
- Higher income → increase SIP for real growth
- Choose a goal → adjust for time and inflation → set the right monthly amount
