{"id":2402,"date":"2022-07-29T16:08:00","date_gmt":"2022-07-29T16:08:00","guid":{"rendered":"https:\/\/rakshithpai.com\/?p=2402"},"modified":"2023-12-22T13:45:36","modified_gmt":"2023-12-22T13:45:36","slug":"investing-in-your-20s","status":"publish","type":"post","link":"https:\/\/rakshithpai.com\/investing-in-your-20s\/","title":{"rendered":"Investing tips in your 20s:"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-662dbff1e396e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\" style='display:none' id=\"ez-toc-cssicon-toggle-item-662dbff1e396e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#Investing_in_your_20s\" title=\"Investing in your 20\u2019s\">Investing in your 20\u2019s<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#How_to_Approach_Investing_in_your_20s\" title=\"How to Approach Investing in your 20s?\">How to Approach Investing in your 20s?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#Active_Investing\" title=\"Active Investing:\">Active Investing:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#Passive_Investing\" title=\"Passive Investing\">Passive Investing<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#Top_Investing_Tips_for_Young_Adults\" title=\"Top Investing Tips for Young Adults:\">Top Investing Tips for Young Adults:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#1_Learn_to_save_on_taxes\" title=\"1. Learn to save on taxes\">1. Learn to save on taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#2_Fill_up_the_retirement_corpus_account\" title=\"2. Fill up the retirement corpus account\">2. Fill up the retirement corpus account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#3_Index_fundsETF\" title=\"3. Index funds\/ETF \">3. Index funds\/ETF <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#4_Budgeting\" title=\"4. Budgeting\">4. Budgeting<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#5_Side_hustle\" title=\"5. Side hustle\">5. Side hustle<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#Why_Build_Wealth_and_Aim_for_Financial_Independence\" title=\"Why Build Wealth and Aim for Financial Independence?\">Why Build Wealth and Aim for Financial Independence?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#Conclusion\" title=\"Conclusion:\">Conclusion:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#Watch_the_YouTube_Video_for_More_Information\" title=\"Watch the YouTube Video for More Information:\">Watch the YouTube Video for More Information:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/rakshithpai.com\/investing-in-your-20s\/#Also_read\" title=\"Also read:\">Also read:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Investing_in_your_20s\"><\/span><strong>Investing in your 20\u2019s<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>The 20s is considered a time to grow knowledge and be established with all your initial funds, so start with it. Concentrate on saving capital. Use the saved capital to invest in long-term growth. Later, such Investment comes as a natural source of earning for any venture that is run for a long period of time.&nbsp;<\/strong><\/p>\n\n\n\n<p>It\u2019s a popular thing to invest in during your 20s &#8211; and that\u2019s the right decision to make. According to financial experts, investing in your 20s is the right decision because when you\u2019re young, you get to experience the power of compounding in a real sense. Especially the case if your earning potential is higher and you stay invested till your later years.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/upstox.com\/open-account\/?f=FN1853\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><strong>The risk of investment is minimal in your 20s, and if you get high returns at an early stage of investing, you\u2019ll be set for life!<\/strong><\/p>\n\n\n\n<p>The beauty of this phase of your life is that you are beginning to have control of your own finances and you can decide if you want to enter the world of Investing now or wait until you have a steady job with sufficient capital to invest.<\/p>\n\n\n\n<p>In today&#8217;s world. Investing in their 20s is on the mind of almost everyone, but it is important to understand that these are not the right times for you to enter the world of money if you are unprepared.&nbsp;<\/p>\n\n\n\n<p>Does it need to be riskier? Is any special consideration to be given?<\/p>\n\n\n\n<p><strong>If you can handle the risk, then go ahead and invest. But before investing, it is important to understand what you are doing. It\u2019s better to LEARN first before your start to EARN.<\/strong><\/p>\n\n\n\n<p>Either way, you can never go wrong in investing, if you follow the below-mentioned tips. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Approach_Investing_in_your_20s\"><\/span><strong>How to Approach Investing in your 20s?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>For those who are interested in investing, there are two main options:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Active_Investing\"><\/span><strong>Active Investing:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong> It is when an investor does his\/her research into a particular asset class such as Equity Market, Bullion (Gold &amp; Silver), Bond Market, Real-Estate Market, and others.&nbsp;<\/strong><\/p>\n\n\n\n<p>Here, you as an investor know what you&#8217;re doing. Or are in the process of learning. In active investing, enthusiasm and interest to learn to play a greater role.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Passive_Investing\"><\/span><strong>Passive Investing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>It is when an investor does very little to no research on what and where to invest in. It\u2019s where an investor shows not much interest in the process of investing but is aware of the importance of investing in a particular asset.&nbsp;<\/strong><\/p>\n\n\n\n<p>Hence, take the help of professionals or professionally handled investment vehicles such as Exchange Traded Funds (ETF), Mutual Funds, Real Estate Investment Trusts (REITs), etc.<\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-embed wp-block-embed-embed\"><blockquote class=\"wp-embedded-content\" data-secret=\"5ReJChF1wm\"><a href=\"https:\/\/rakshithpai.com\/best-types-of-passive-income\/\">10 Best Ways to Make Passive Income in India &#8211; 2022<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;10 Best Ways to Make Passive Income in India &#8211; 2022&#8221; &#8212; \" src=\"https:\/\/rakshithpai.com\/best-types-of-passive-income\/embed\/#?secret=qyMISaM4S3#?secret=5ReJChF1wm\" data-secret=\"5ReJChF1wm\" width=\"200\" height=\"200\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Top_Investing_Tips_for_Young_Adults\"><\/span><strong>Top Investing Tips for Young Adults:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Learn_to_save_on_taxes\"><\/span><strong>1.<\/strong> <strong>Learn to save on taxes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Wouldn\u2019t it be great if we have an option to invest whilst saving taxes? Well, do we have such an option?<\/p>\n\n\n\n<p><strong>Yes, you can invest in certain asset classes and save tax on such investments. The below list explains in detail;<\/strong><\/p>\n\n\n<div class=\"su-table su-csv-table su-table-responsive su-table-alternate su-table-fixed\"><table><tr><th>Sl.No<\/th><th>Particular<\/th><th>Section (for reference)<\/th><th>Tax implications<\/th><\/tr><tr><td>1<\/td><td>Provident Fund (PF)<\/td><td>80C<\/td><td>Deductions upto Rs. 1.5 lakh.<\/td><\/tr><tr><td>2<\/td><td>National Pension Scheme (NPS)<\/td><td>80C + 80CCD<\/td><td>Deductions upto Rs. 1.5 lakh. Additionally, Rs. 50k deductions allowable.<\/td><\/tr><tr><td>3<\/td><td>Senior Citizens Saving Scheme (SCSS)<\/td><td>80C<\/td><td>Deductions upto Rs. 1.5 lakh.<\/td><\/tr><tr><td>4<\/td><td>Mutual Fund Investing<\/td><td>80C<\/td><td>Deductions upto Rs. 1.5 lakh. (Under ELSS funds)<\/td><\/tr><tr><td>5<\/td><td>Fixed Deposit<\/td><td>80C<\/td><td>Deductions upto Rs. 1.5 lakh.<\/td><\/tr><tr><td>6<\/td><td>Unit Linked Insurance Plan (ULIP)<\/td><td>80C<\/td><td>Deductions upto Rs. 1.5 lakh. Additionally, returns are exempt u\/s 10(10D)<\/td><\/tr><tr><td>7<\/td><td>Sovereign Gold Bond (SGB)<\/td><td>-<\/td><td>Only interest in taxable<\/td><\/tr><tr><td>8<\/td><td>Government Securities<\/td><td>80C<\/td><td>Deductions upto Rs. 1.5 lakh.<\/td><\/tr><tr><td>9<\/td><td>Hybrid Funds Investing<\/td><td>80C<\/td><td>Deductions upto Rs. 1.5 lakh.<\/td><\/tr><tr><td>10<\/td><td>Savings - Regular &amp; Recurring account<\/td><td>80TTA<\/td><td>Deduction upto Rs.10,000 in interest income.<\/td><\/tr><tr><td><\/td><\/tr><\/table><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Fill_up_the_retirement_corpus_account\"><\/span><strong>2. Fill up the retirement corpus account<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>We all know retirement isn\u2019t anywhere near us. Especially for someone in their early 20&#8217;s who just started his\/her career. But, you know what? It\u2019s the right time to start funding your retirement corpus.<\/strong><\/p>\n\n\n\n<p>This is the time when you have sufficient disposable income. This is the time when you have not much to lose. So, instead of spending it all on materialistic things. Why not invest in such an asset that\u2019ll give you some relief in your later years.<\/p>\n\n\n\n<p>Retirement accounts such as Provident Fund (PF), and National Pension Scheme (NPS) serve the purpose.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/upstox.com\/open-account\/?f=FN1853\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Index_fundsETF\"><\/span><strong>3. Index funds\/ETF<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Not everyone is aware of how to invest in the Stock Market. But, I\u2019m pretty sure that each of you knows the importance of investing in Equities. Investing in the Indian Stock Market is like Investing in India. I have never been more positive about our economy than now.<\/strong><\/p>\n\n\n\n<p>But, to invest in Indian Equities, we need related knowledge. Right?<\/p>\n\n\n\n<p>Well, you can invest in Indian Equities via Index funds and ETFs. This way, you\u2019ll invest in India with little risk of losing out. How? Cause, Index funds, and ETFs are well-diversified asset classes that although might not lose all the risk involved. It might ease us into it.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-embed wp-block-embed-embed\"><blockquote class=\"wp-embedded-content\" data-secret=\"1ofHHn7YS4\"><a href=\"https:\/\/rakshithpai.com\/index-funds-investing\/\">How to Invest in Index Funds? Top Index Funds, Benefits and risk-return explained:<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;How to Invest in Index Funds? Top Index Funds, Benefits and risk-return explained:&#8221; &#8212; \" src=\"https:\/\/rakshithpai.com\/index-funds-investing\/embed\/#?secret=TK1Yj3uPjK#?secret=1ofHHn7YS4\" data-secret=\"1ofHHn7YS4\" width=\"200\" height=\"200\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Budgeting\"><\/span><strong>4. Budgeting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Remember this now. Remember this loud and clear. <strong>\u201cA rupee saved now is more than a rupee earned later\u201d. <\/strong>Maybe you might be worried about inflation. But, spending your income without proper budgeting is like running on a freeway. You\u2019ll get killed, eventually!<\/p>\n\n\n\n<p>Planning gets you halfway through. And, if financial planning is what you are looking at. Then, early planning of your finances and sticking to them will surely get you through to make you rich and wealthy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Side_hustle\"><\/span><strong>5. Side hustle<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>I know the word \u201cInflation\u201d has come in this article earlier. But, let me stress out the dangerous impact it has on one\u2019s savings.<\/strong> To simplify, If you save at 4% annually and the running inflation rate is at 3.5% (in most usual cases, this be the rate). You are kind of making 0.5% growth in terms of interest earnings.<\/p>\n\n\n\n<p>Now, unless you have over a million dollars in savings. This tiny bit of interest income doesn\u2019t serve any purpose. Instead, weigh more of the different sources of income you can get.&nbsp;<\/p>\n\n\n\n<p>So, in order to make a real living in this cumbersome economic condition. It\u2019s better to work on a side hustle. Something you love and can give you some monetary benefits.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Build_Wealth_and_Aim_for_Financial_Independence\"><\/span><strong>Why Build Wealth and Aim for Financial Independence?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Why is it important to manage one&#8217;s finances? Long-term wealth creation is the ultimate goal. All the above-mentioned components must be managed concurrently if wealth is to be created. The importance of each component cannot be overstated. Creating wealth involves striking a balance between earning money and spending it. One sign of financial savvy is the realization that some sort of equilibrium must be established.<\/p>\n\n\n\n<p><strong>Having financial intelligence means you can master the five (5) key areas of personal finance.<\/strong><\/p>\n\n\n\n<p>Intuitively, it stands to reason that financial matters should be dealt with in a responsible fashion. Indeed, we must always act morally in all aspects of our lives. The appropriate path can lead to greater financial success over time.<\/p>\n\n\n\n<p><strong>Having a goal in mind when building wealth serves as a constant reminder. The fact that our money is going toward the greater good acts as a constant reminder that we are being extra careful with it.<\/strong><\/p>\n\n\n\n<p>Now, you may be wondering why it&#8217;s necessary to amass wealth. This is what I need to do to become financially secure. To what extent is it crucial to be financially self-sufficient? for the simple reason that it can make one financially independent of a job? Kiyosaki&#8217;s diagram of financial freedom follows.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>If you are in your 20s and if you are reading this article. Then you are on the right path. It\u2019s not only that you are on time. It also means that you are serious about your finances.<\/strong><\/p>\n\n\n\n<p>That\u2019s very appreciable. I always believed that wealth and riches can solve if not all, most of our societal problems. And, our 20s and 30s should be concentrated on making wealth.&nbsp;<\/p>\n\n\n\n<p>Remember, by becoming rich and successful financially, you\u2019ll not only lift yourself, but it\u2019ll also serve your entire family and friends along with you. And, that\u2019s the best thing you can do to your people.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Watch_the_YouTube_Video_for_More_Information\"><\/span><strong>Watch the YouTube Video for More Information:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe loading=\"lazy\" title=\"How to Start Investing in Your 20s So to Become CROREPATI! Brief #financialplanning #wealthcreation\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/03n4nOHMk0M?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/upstox.com\/open-account\/?f=FN1853\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Disclaimer:<\/strong> All the information on this website is published in good faith and for general information purposes only.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Also_read\"><\/span><strong>Also read:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><a href=\"https:\/\/rakshithpai.com\/zerodha-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Zerodha Review 2021: Everything you need to know!<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/best-psu-stocks-to-buy\/\" target=\"_blank\" rel=\"noreferrer noopener\">Best PSU stocks to buy in India 2021<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/best-fmcg-stocks-to-buy\/\" target=\"_blank\" rel=\"noreferrer noopener\">Best FMCG stocks to buy in India 2021<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/upstox-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Upstox Review 2021: Everything you need to know!<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/wazirx-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">WazirX Review 2021: Everything you need to know!<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Investing in your 20\u2019s The 20s is considered a time to grow knowledge and be established with all your initial funds, so start with it. Concentrate on saving capital. Use the saved capital to invest in long-term growth. 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Concentrate on saving capital. Use the saved capital to invest in long-term growth. 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