Monthly Stock Investment – The Golden Rule of Wealth Building
One of the most common questions first-time investors ask is:
“How much should I invest in stocks every month?”
Whether you’re earning ₹20,000 or ₹2,00,000, the right monthly investment depends on your goals, income, and risk tolerance — not just market trends.
The 50:30:20 Rule (and a Smarter Tweak)
Traditionally, personal finance experts suggest:
50% – Needs (rent, food, bills)
30% – Wants (lifestyle)
20% – Savings & Investments
But if you want faster wealth or early financial freedom, consider this tweak:
30–40% of your salary = Savings + Investments (including stocks)
Vizzve’s Simple Formula
Step 1: Fix Your Goal
Retirement by 50?
Buying a home in 10 years?
Child’s education?
Step 2: Choose Investment Method
Direct Stocks – For experienced, risk-tolerant investors
SIPs in Mutual Funds – For beginners or busy professionals
Step 3: Use This Rule of Thumb
| Monthly Income | Recommended Stock Investment |
|---|---|
| ₹20,000 | ₹2,000 – ₹4,000 |
| ₹50,000 | ₹7,500 – ₹15,000 |
| ₹1,00,000 | ₹15,000 – ₹30,000 |
Should You Start Small?
Yes. Even ₹500–₹2,000/month is enough to build a habit and benefit from compounding and rupee-cost averaging.
📌 Consistency > Amount
Vizzve Pro Tip
“Invest early, invest often. Let your income grow, but let your investments grow faster.”
Use SIPs or automated investing so you never miss a month.
Bonus: Tools to Help You Decide
Use Vizzve SIP calculator (coming soon!)
Track expenses with free budgeting apps
Allocate windfalls (bonus, freelance income) into index funds or ETFs
FAQs
Q1. Can I change my investment amount later?
Absolutely. Increase it with every salary hike.
Q2. What if I miss a month?
Don’t panic. Restart next month. Long-term consistency matters more.
Q3. Is ₹5,000/month in stocks enough?
Yes, over 10–15 years it can create a significant corpus through compounding.
Published on : 25th July
Published by : SMITA
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