Why To Invest?

Why should one start investing at an early age?

Investing at an early age can lead to profitable returns in the long-term. Capitalizing on compound interest, individuals with earlier investment start times can increase their wealth exponentially. Investments of $10,000 at age 24 will grow to $1.6 million by age 65; but waiting until age 35 to invest will result in only $440,000 at retirement.

Investing is not just for the wealthy. It is an important part of creating wealth for all. When starting early with investing, one can benefit from the power of compound interest and create a secure financial future. One can invest in themselves with education or start investing in others by contributing to their retirement funds, their children’s education fund, or charity.



In Above chart, if you see if you start investing 5000/- every month with a 12% Annual return, you will get 200,000,000.00 at the end of 50 years. So if you start investing early in age you will get more money.

Below table shows yearwise gains assuming 12% Annual Interest:

YearSr. No.Monthly SavingInterest RatePrinciple AmountInterestCompound Interest
 1.005,000.001.005,000.0050.005,050.00
 2.005,000.001.0010,050.00100.5010,150.50
 3.005,000.001.0015,150.50151.5115,302.01
 4.005,000.001.0020,302.01203.0220,505.03
 5.005,000.001.0025,505.03255.0525,760.08
 6.005,000.001.0030,760.08307.6031,067.68
 7.005,000.001.0036,067.68360.6836,428.35
 8.005,000.001.0041,428.35414.2841,842.64
 9.005,000.001.0046,842.64468.4347,311.06
 10.005,000.001.0052,311.06523.1152,834.17
 11.005,000.001.0057,834.17578.3458,412.52
1.0012.005,000.001.0063,412.52634.1364,046.64
 13.005,000.001.0069,046.64690.4769,737.11
 14.005,000.001.0074,737.11747.3775,484.48
 15.005,000.001.0080,484.48804.8481,289.32
 16.005,000.001.0086,289.32862.8987,152.22
 17.005,000.001.0092,152.22921.5293,073.74
 18.005,000.001.0098,073.74980.7499,054.48
 19.005,000.001.00104,054.481,040.54105,095.02
 20.005,000.001.00110,095.021,100.95111,195.97
 21.005,000.001.00116,195.971,161.96117,357.93
 22.005,000.001.00122,357.931,223.58123,581.51
 23.005,000.001.00128,581.511,285.82129,867.32
2.0024.005,000.001.00134,867.321,348.67136,216.00
 25.005,000.001.00141,216.001,412.16142,628.16
 26.005,000.001.00147,628.161,476.28149,104.44
 27.005,000.001.00154,104.441,541.04155,645.48
 28.005,000.001.00160,645.481,606.45162,251.94
 29.005,000.001.00167,251.941,672.52168,924.46
 30.005,000.001.00173,924.461,739.24175,663.70
 31.005,000.001.00180,663.701,806.64182,470.34
 32.005,000.001.00187,470.341,874.70189,345.04
 33.005,000.001.00194,345.041,943.45196,288.49
 34.005,000.001.00201,288.492,012.88203,301.38
 35.005,000.001.00208,301.382,083.01210,384.39
3.0036.005,000.001.00215,384.392,153.84217,538.24
 37.005,000.001.00222,538.242,225.38224,763.62
 38.005,000.001.00229,763.622,297.64232,061.25
 39.005,000.001.00237,061.252,370.61239,431.87
 40.005,000.001.00244,431.872,444.32246,876.19
 41.005,000.001.00251,876.192,518.76254,394.95
 42.005,000.001.00259,394.952,593.95261,988.90
 43.005,000.001.00266,988.902,669.89269,658.79
 44.005,000.001.00274,658.792,746.59277,405.37
 45.005,000.001.00282,405.372,824.05285,229.43
 46.005,000.001.00290,229.432,902.29293,131.72
 47.005,000.001.00298,131.722,981.32301,113.04
4.0048.005,000.001.00306,113.043,061.13309,174.17
 49.005,000.001.00314,174.173,141.74317,315.91
 50.005,000.001.00322,315.913,223.16325,539.07
 51.005,000.001.00330,539.073,305.39333,844.46
 52.005,000.001.00338,844.463,388.44342,232.91
 53.005,000.001.00347,232.913,472.33350,705.23
 54.005,000.001.00355,705.233,557.05359,262.29
 55.005,000.001.00364,262.293,642.62367,904.91
 56.005,000.001.00372,904.913,729.05376,633.96
 57.005,000.001.00381,633.963,816.34385,450.30
 58.005,000.001.00390,450.303,904.50394,354.80
 59.005,000.001.00399,354.803,993.55403,348.35
5.0060.005,000.001.00408,348.354,083.48412,431.83
 61.005,000.001.00417,431.834,174.32421,606.15
 62.005,000.001.00426,606.154,266.06430,872.21
 63.005,000.001.00435,872.214,358.72440,230.93
 64.005,000.001.00445,230.934,452.31449,683.24
 65.005,000.001.00454,683.244,546.83459,230.08
 66.005,000.001.00464,230.084,642.30468,872.38
 67.005,000.001.00473,872.384,738.72478,611.10
 68.005,000.001.00483,611.104,836.11488,447.21
 69.005,000.001.00493,447.214,934.47498,381.68
 70.005,000.001.00503,381.685,033.82508,415.50
 71.005,000.001.00513,415.505,134.16518,549.66
6.0072.005,000.001.00523,549.665,235.50528,785.15
 73.005,000.001.00533,785.155,337.85539,123.00
 74.005,000.001.00544,123.005,441.23549,564.23
 75.005,000.001.00554,564.235,545.64560,109.88
 76.005,000.001.00565,109.885,651.10570,760.98
 77.005,000.001.00575,760.985,757.61581,518.59
 78.005,000.001.00586,518.595,865.19592,383.77
 79.005,000.001.00597,383.775,973.84603,357.61
 80.005,000.001.00608,357.616,083.58614,441.18
 81.005,000.001.00619,441.186,194.41625,635.60
 82.005,000.001.00630,635.606,306.36636,941.95
 83.005,000.001.00641,941.956,419.42648,361.37
7.0084.005,000.001.00653,361.376,533.61659,894.99
 85.005,000.001.00664,894.996,648.95671,543.94
 86.005,000.001.00676,543.946,765.44683,309.37
 87.005,000.001.00688,309.376,883.09695,192.47
 88.005,000.001.00700,192.477,001.92707,194.39
 89.005,000.001.00712,194.397,121.94719,316.34
 90.005,000.001.00724,316.347,243.16731,559.50
 91.005,000.001.00736,559.507,365.60743,925.10
 92.005,000.001.00748,925.107,489.25756,414.35
 93.005,000.001.00761,414.357,614.14769,028.49
 94.005,000.001.00774,028.497,740.28781,768.78
 95.005,000.001.00786,768.787,867.69794,636.46
8.0096.005,000.001.00799,636.467,996.36807,632.83
 97.005,000.001.00812,632.838,126.33820,759.16
 98.005,000.001.00825,759.168,257.59834,016.75
 99.005,000.001.00839,016.758,390.17847,406.91
 100.005,000.001.00852,406.918,524.07860,930.98
 101.005,000.001.00865,930.988,659.31874,590.29
 102.005,000.001.00879,590.298,795.90888,386.20
 103.005,000.001.00893,386.208,933.86902,320.06
 104.005,000.001.00907,320.069,073.20916,393.26
 105.005,000.001.00921,393.269,213.93930,607.19
 106.005,000.001.00935,607.199,356.07944,963.26
 107.005,000.001.00949,963.269,499.63959,462.90
9.00108.005,000.001.00964,462.909,644.63974,107.53
 109.005,000.001.00979,107.539,791.08988,898.60
 110.005,000.001.00993,898.609,938.991,003,837.59
 111.005,000.001.001,008,837.5910,088.381,018,925.96
 112.005,000.001.001,023,925.9610,239.261,034,165.22
 113.005,000.001.001,039,165.2210,391.651,049,556.87
 114.005,000.001.001,054,556.8710,545.571,065,102.44
 115.005,000.001.001,070,102.4410,701.021,080,803.47
 116.005,000.001.001,085,803.4710,858.031,096,661.50
 117.005,000.001.001,101,661.5011,016.621,112,678.12
 118.005,000.001.001,117,678.1211,176.781,128,854.90
 119.005,000.001.001,133,854.9011,338.551,145,193.45
10.00120.005,000.001.001,150,193.4511,501.931,161,695.38
 121.005,000.001.001,166,695.3811,666.951,178,362.34
 122.005,000.001.001,183,362.3411,833.621,195,195.96
 123.005,000.001.001,200,195.9612,001.961,212,197.92
 124.005,000.001.001,217,197.9212,171.981,229,369.90
 125.005,000.001.001,234,369.9012,343.701,246,713.60
 126.005,000.001.001,251,713.6012,517.141,264,230.73
 127.005,000.001.001,269,230.7312,692.311,281,923.04
 128.005,000.001.001,286,923.0412,869.231,299,792.27
 129.005,000.001.001,304,792.2713,047.921,317,840.19
 130.005,000.001.001,322,840.1913,228.401,336,068.60
 131.005,000.001.001,341,068.6013,410.691,354,479.28
11.00132.005,000.001.001,359,479.2813,594.791,373,074.07
 133.005,000.001.001,378,074.0713,780.741,391,854.81
 134.005,000.001.001,396,854.8113,968.551,410,823.36
 135.005,000.001.001,415,823.3614,158.231,429,981.60
 136.005,000.001.001,434,981.6014,349.821,449,331.41
 137.005,000.001.001,454,331.4114,543.311,468,874.73
 138.005,000.001.001,473,874.7314,738.751,488,613.47
 139.005,000.001.001,493,613.4714,936.131,508,549.61
 140.005,000.001.001,513,549.6115,135.501,528,685.10
 141.005,000.001.001,533,685.1015,336.851,549,021.96
 142.005,000.001.001,554,021.9615,540.221,569,562.18
 143.005,000.001.001,574,562.1815,745.621,590,307.80
12.00144.005,000.001.001,595,307.8015,953.081,611,260.87
 145.005,000.001.001,616,260.8716,162.611,632,423.48
 146.005,000.001.001,637,423.4816,374.231,653,797.72
 147.005,000.001.001,658,797.7216,587.981,675,385.70
 148.005,000.001.001,680,385.7016,803.861,697,189.55
 149.005,000.001.001,702,189.5517,021.901,719,211.45
 150.005,000.001.001,724,211.4517,242.111,741,453.56
 151.005,000.001.001,746,453.5617,464.541,763,918.10
 152.005,000.001.001,768,918.1017,689.181,786,607.28
 153.005,000.001.001,791,607.2817,916.071,809,523.35
 154.005,000.001.001,814,523.3518,145.231,832,668.59
 155.005,000.001.001,837,668.5918,376.691,856,045.27
13.00156.005,000.001.001,861,045.2718,610.451,879,655.72
 157.005,000.001.001,884,655.7218,846.561,903,502.28
 158.005,000.001.001,908,502.2819,085.021,927,587.30
 159.005,000.001.001,932,587.3019,325.871,951,913.18
 160.005,000.001.001,956,913.1819,569.131,976,482.31
 161.005,000.001.001,981,482.3119,814.822,001,297.13
 162.005,000.001.002,006,297.1320,062.972,026,360.10
 163.005,000.001.002,031,360.1020,313.602,051,673.70
 164.005,000.001.002,056,673.7020,566.742,077,240.44
 165.005,000.001.002,082,240.4420,822.402,103,062.85
 166.005,000.001.002,108,062.8521,080.632,129,143.47
 167.005,000.001.002,134,143.4721,341.432,155,484.91
14.00168.005,000.001.002,160,484.9121,604.852,182,089.76
 169.005,000.001.002,187,089.7621,870.902,208,960.66
 170.005,000.001.002,213,960.6622,139.612,236,100.26
 171.005,000.001.002,241,100.2622,411.002,263,511.26
 172.005,000.001.002,268,511.2622,685.112,291,196.38
 173.005,000.001.002,296,196.3822,961.962,319,158.34
 174.005,000.001.002,324,158.3423,241.582,347,399.92
 175.005,000.001.002,352,399.9223,524.002,375,923.92
 176.005,000.001.002,380,923.9223,809.242,404,733.16
 177.005,000.001.002,409,733.1624,097.332,433,830.49
 178.005,000.001.002,438,830.4924,388.302,463,218.80
 179.005,000.001.002,468,218.8024,682.192,492,900.99
15.00180.005,000.001.002,497,900.9924,979.012,522,880.00
 181.005,000.001.002,527,880.0025,278.802,553,158.80
 182.005,000.001.002,558,158.8025,581.592,583,740.39
 183.005,000.001.002,588,740.3925,887.402,614,627.79
 184.005,000.001.002,619,627.7926,196.282,645,824.07
 185.005,000.001.002,650,824.0726,508.242,677,332.31
 186.005,000.001.002,682,332.3126,823.322,709,155.63
 187.005,000.001.002,714,155.6327,141.562,741,297.19
 188.005,000.001.002,746,297.1927,462.972,773,760.16
 189.005,000.001.002,778,760.1627,787.602,806,547.76
 190.005,000.001.002,811,547.7628,115.482,839,663.24
 191.005,000.001.002,844,663.2428,446.632,873,109.87
16.00192.005,000.001.002,878,109.8728,781.102,906,890.97
 193.005,000.001.002,911,890.9729,118.912,941,009.88
 194.005,000.001.002,946,009.8829,460.102,975,469.98
 195.005,000.001.002,980,469.9829,804.703,010,274.68
 196.005,000.001.003,015,274.6830,152.753,045,427.42
 197.005,000.001.003,050,427.4230,504.273,080,931.70
 198.005,000.001.003,085,931.7030,859.323,116,791.02
 199.005,000.001.003,121,791.0231,217.913,153,008.93
 200.005,000.001.003,158,008.9331,580.093,189,589.02
 201.005,000.001.003,194,589.0231,945.893,226,534.91
 202.005,000.001.003,231,534.9132,315.353,263,850.25
 203.005,000.001.003,268,850.2532,688.503,301,538.76
17.00204.005,000.001.003,306,538.7633,065.393,339,604.14
 205.005,000.001.003,344,604.1433,446.043,378,050.19
 206.005,000.001.003,383,050.1933,830.503,416,880.69
 207.005,000.001.003,421,880.6934,218.813,456,099.49
 208.005,000.001.003,461,099.4934,610.993,495,710.49
 209.005,000.001.003,500,710.4935,007.103,535,717.59
 210.005,000.001.003,540,717.5935,407.183,576,124.77
 211.005,000.001.003,581,124.7735,811.253,616,936.02
 212.005,000.001.003,621,936.0236,219.363,658,155.38
 213.005,000.001.003,663,155.3836,631.553,699,786.93
 214.005,000.001.003,704,786.9337,047.873,741,834.80
 215.005,000.001.003,746,834.8037,468.353,784,303.15
18.00216.005,000.001.003,789,303.1537,893.033,827,196.18
 217.005,000.001.003,832,196.1838,321.963,870,518.14
 218.005,000.001.003,875,518.1438,755.183,914,273.32
 219.005,000.001.003,919,273.3239,192.733,958,466.06
 220.005,000.001.003,963,466.0639,634.664,003,100.72
 221.005,000.001.004,008,100.7240,081.014,048,181.73
 222.005,000.001.004,053,181.7340,531.824,093,713.54
 223.005,000.001.004,098,713.5440,987.144,139,700.68
 224.005,000.001.004,144,700.6841,447.014,186,147.68
 225.005,000.001.004,191,147.6841,911.484,233,059.16
 226.005,000.001.004,238,059.1642,380.594,280,439.75
 227.005,000.001.004,285,439.7542,854.404,328,294.15
19.00228.005,000.001.004,333,294.1543,332.944,376,627.09
 229.005,000.001.004,381,627.0943,816.274,425,443.36
 230.005,000.001.004,430,443.3644,304.434,474,747.80
 231.005,000.001.004,479,747.8044,797.484,524,545.27
 232.005,000.001.004,529,545.2745,295.454,574,840.73
 233.005,000.001.004,579,840.7345,798.414,625,639.13
 234.005,000.001.004,630,639.1346,306.394,676,945.53
 235.005,000.001.004,681,945.5346,819.464,728,764.98
 236.005,000.001.004,733,764.9847,337.654,781,102.63
 237.005,000.001.004,786,102.6347,861.034,833,963.66
 238.005,000.001.004,838,963.6648,389.644,887,353.29
 239.005,000.001.004,892,353.2948,923.534,941,276.83
20.00240.005,000.001.004,946,276.8349,462.774,995,739.60
 241.005,000.001.005,000,739.6050,007.405,050,746.99
 242.005,000.001.005,055,746.9950,557.475,106,304.46
 243.005,000.001.005,111,304.4651,113.045,162,417.51
 244.005,000.001.005,167,417.5151,674.185,219,091.68
 245.005,000.001.005,224,091.6852,240.925,276,332.60
 246.005,000.001.005,281,332.6052,813.335,334,145.92
 247.005,000.001.005,339,145.9253,391.465,392,537.38
 248.005,000.001.005,397,537.3853,975.375,451,512.76
 249.005,000.001.005,456,512.7654,565.135,511,077.88
 250.005,000.001.005,516,077.8855,160.785,571,238.66
 251.005,000.001.005,576,238.6655,762.395,632,001.05
21.00252.005,000.001.005,637,001.0556,370.015,693,371.06
 253.005,000.001.005,698,371.0656,983.715,755,354.77
 254.005,000.001.005,760,354.7757,603.555,817,958.32
 255.005,000.001.005,822,958.3258,229.585,881,187.90
 256.005,000.001.005,886,187.9058,861.885,945,049.78
 257.005,000.001.005,950,049.7859,500.506,009,550.28
 258.005,000.001.006,014,550.2860,145.506,074,695.78
 259.005,000.001.006,079,695.7860,796.966,140,492.74
 260.005,000.001.006,145,492.7461,454.936,206,947.67
 261.005,000.001.006,211,947.6762,119.486,274,067.14
 262.005,000.001.006,279,067.1462,790.676,341,857.81
 263.005,000.001.006,346,857.8163,468.586,410,326.39
22.00264.005,000.001.006,415,326.3964,153.266,479,479.66
 265.005,000.001.006,484,479.6664,844.806,549,324.45
 266.005,000.001.006,554,324.4565,543.246,619,867.70
 267.005,000.001.006,624,867.7066,248.686,691,116.37
 268.005,000.001.006,696,116.3766,961.166,763,077.54
 269.005,000.001.006,768,077.5467,680.786,835,758.31
 270.005,000.001.006,840,758.3168,407.586,909,165.90
 271.005,000.001.006,914,165.9069,141.666,983,307.56
 272.005,000.001.006,988,307.5669,883.087,058,190.63
 273.005,000.001.007,063,190.6370,631.917,133,822.54
 274.005,000.001.007,138,822.5471,388.237,210,210.76
 275.005,000.001.007,215,210.7672,152.117,287,362.87
23.00276.005,000.001.007,292,362.8772,923.637,365,286.50
 277.005,000.001.007,370,286.5073,702.867,443,989.36
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45.00540.005,000.001.00107,273,465.241,072,734.65108,346,199.90
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46.00552.005,000.001.00120,941,838.221,209,418.38122,151,256.60
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47.00564.005,000.001.00136,343,703.011,363,437.03137,707,140.04
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48.00576.005,000.001.00153,698,909.771,536,989.10155,235,898.87
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49.00588.005,000.001.00173,255,191.151,732,551.91174,987,743.06
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50.00600.005,000.001.00195,291,698.501,952,916.98197,244,615.48