Beginner Investing Path
Learn the basics before putting money anywhere.
TL;DR
Understand the difference between saving and investing. Start with safe options (FD, PPF). Learn what mutual funds are. Try a small SIP in an index fund. Give yourself 1-2 years to learn before considering direct stocks.
Step-by-Step Plan
Learn the vocabulary
Understand terms like FD, SIP, mutual fund, risk, returns. Our glossary can help.
Secure your base first
Have an emergency fund and basic health insurance before investing.
Start with safe options
PPF, FD, or liquid funds. Low risk, easy to understand, builds confidence.
Understand mutual funds
Learn how they pool money, what NAV means, and how SIPs work.
Try your first SIP
Start with ₹500-1000/month in a Nifty 50 index fund. Watch it for 6 months.
Learn about asset allocation
Understand why mixing safe and growth investments matters.
Consider direct stocks later
Only after you're comfortable with mutual funds and have 2+ years experience.
Common Mistakes to Avoid
- ✕Starting with stocks based on tips from friends
- ✕Checking portfolio daily and panicking at drops
- ✕Stopping SIP when market falls
- ✕Investing money you might need in 6 months
- ✕Chasing past returns ("this fund gave 30% last year!")
- ✕Ignoring fees and expense ratios