When Is the Best Time to Invest? The Answer Might Surprise You

“What is the best time to invest?” This is one of the most common questions we hear at MyWealthBuddy — and the truth is both simple and powerful:

The best time to invest is when you start earning. The second-best time is today.

🚀 Why Timing Matters (But Not in the Way You Think)

Many people try to wait for the “perfect time” to start investing — like when they get a higher salary, save more, or see the stock market going up.

But investment is not about timing the market, it’s about time in the market.

If you start early, your money has more time to grow through the power of compounding. This is the magic that helps your small investments turn into a big corpus over the long term.

📈 Example: Early Start vs Late Start

Let’s say two friends — Ankit and Ravi — both invest ₹5,000 per month.

• Ankit starts at age 23

• Ravi starts at age 30

Both invest till age 50 at an average return of 12% per year.

Investor	Monthly SIP	Start Age	End Age	Total Invested	Final Corpus
Ankit	₹5,000	23	50	₹16.2 lakh	₹1.15 crore
Ravi	₹5,000	30	50	₹12 lakh	₹49 lakh

📌 Result: Just a 7-year delay cost Ravi more than ₹65 lakh!

💡 So, When Should You Start Investing?

The moment you:

• Get your first salary after graduation/postgraduation

• Start saving regularly

• Realize the value of long-term wealth over short-term spending

Even if it’s just ₹500 or ₹1,000 per month — start now. Because the amount matters less than the habit.

🧠 Common Excuses That Delay Investment

1. ❌ “I don’t earn enough”

   
   

   ✅ Start small. Even ₹500 SIP is enough to build a habit.

2. ❌ “I’ll start when I’m 30”

   
   

   ✅ That delay costs you lakhs in missed compounding.

3. ❌ “I want to enjoy life first”

   
   

   ✅ You can enjoy and invest. It’s about balance.

🧭 What Should You Invest In?

As a beginner, keep it simple:

• SIP in Mutual Funds (start with ELSS or Index Funds)

• PPF or NPS (if you're conservative)

• Avoid FDs for long-term goals — returns barely beat inflation

📢 At MyWealthBuddy, We Help You Start Right

We educate people — especially first-time investors — about:

• Where to start

• How much to invest

• What goals to aim for

• And how to avoid common traps

We’re not here to confuse you with jargon. We’re here to be your true wealth buddy.

✅ Final Thought

There is no perfect time. The right time to invest is as soon as you can.Don’t wait for “more money” or “better markets.” Time is your greatest asset.

💬 “The best time to plant a tree was 20 years ago. The second-best time is now.”