How to Start Investing in Your 20s (Whether You're in New York or New Delhi)
So you're in your twenties—feeling young, broke, and financially confused?
Whether you're sipping iced coffee in Manhattan or masala chai in Mumbai, one thing is universal: you've probably Googled “how to start investing” at least once.
Good news: you're not alone.
Better news: you're already ahead by reading this blog.
Best news: I made all the rookie mistakes so you don’t have to.
1. First, Breathe. You Don’t Need Millions to Start.
When I first thought about investing, I imagined men in suits yelling at screens on Wall Street.
Reality check? My first investment was ₹500 (~$6) into a mutual fund called “Stable Returns.” Spoiler alert: it was not stable. But hey, it was a start.
You don’t need a fat paycheck or a finance degree. All you need is:
- A basic bank account
- An investment app (like Robinhood in the US or Groww in India)
- And most importantly, patience
2. Choose Your Fighter: Mutual Funds, Stocks, or Crypto?
Let’s break it down like a snack menu:
- Mutual Funds: Like a financial thali — diversified, managed, and usually safer
- Stocks: High risk, high reward. I once put $200 into Tesla and checked it every 20 minutes (not recommended).
- Crypto: Feels like dating someone too cool for you — exciting but unpredictable
Start slow. Don’t throw all your money into Dogecoin because Elon tweeted a dog meme.
3. Automate That Stuff Like a Pro
Set up auto-debits. Out of sight, out of spend.
I set ₹2,000/month to auto-invest into index funds. Forgot about it for a year. Checked my app one day and boom — money grew like a basil plant on steroids.
4. Learn From YouTube University (But Avoid the Gurus)
There are amazing creators like:
- Graham Stephan (US)
- Pranjal Kamra (India)
Avoid anyone who promises to turn ₹10,000 into a Lamborghini in 6 months. The only thing growing fast there is their YouTube revenue.
5. Don’t Let FOMO Kill Your Mojo
Your friend might flex a fancy car or crypto wins on Instagram.
Remember: investing is not a race.
It’s like skincare — slow, steady, and personal. (Also, SPF is a good investment, just saying.)
My Biggest Mistake (So You Can Laugh Instead of Cry)
In 2021, I invested in a “hot stock tip” from Reddit.
Result? It dropped 40% in a week. I held on… out of stubbornness.
Lesson learned: If you can’t explain the investment to your grandma, don’t invest in it.
Final Thoughts: Start Small, Stay Consistent, Stay Sane
No matter where you are in the world, financial freedom begins with one small decision.
Investing in your 20s is like planting a mango tree.
You won’t get fruit immediately — but one day, you’ll have sweet returns while others are stuck buying overpriced smoothies.
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