From Excuses to Action With A Mutual Fund App

If there’s one thing most people are guilty of, it’s saying: “I’ll start investing later.” Here’s the uncomfortable truth: this ‘later’ costs more than you think.

And no, we’re not just talking about a little less return, we’re talking about lakhs, even crores, lost because of procrastination. If money had feelings, it would probably sulk at how often we delay putting it to work.

So, let’s unpack the real cost of delaying investments with a little math and some hard truths.

Ever heard the saying, “The best time to plant a tree was 20 years ago. The second-best time is today.”? That’s exactly how investing works.

When you invest early, time is your biggest ally. Your money gets years (even decades) to grow, compound and multiply. When you delay, you cut down that growth runway and compounding can’t work its full magic. Your money doesn’t just grow with returns; it grows with time.

Why We Delay (and Why It’s a Trap)

Let’s be honest. We all have our excuses:

• “I’ll invest when I earn more.”
• “Markets look risky right now.”
• “I don’t understand finance.”
• “I’ll figure it out later.”

But while we’re busy waiting, inflation is busy working overtime. Delaying doesn’t just mean lost returns; it also means your goals run further away while you stand still.]

Let’s say you keep delaying investments and instead “save” in a regular bank account at 3%. Sounds safe, right? But if inflation is 6%, your money is actually shrinking in value every year. That ₹10 lakh you hope to use as a down payment for your dream home today will rise up to nearly ₹18 lakh in 10 years. By delaying investing, you’re essentially signing up for future poverty in slow motion.

One of the biggest myths is that you need a lump sum to start investing. Not true. That’s where SIP investment for beginners comes in. With as little as ₹100 or ₹1,000 a month, you can start building wealth steadily. SIPs take away the burden of timing the market. Instead, they let you invest small amounts regularly, averaging out the ups and downs.

Safety doesn’t mean standing still, it means choosing the right vehicle. So instead of keeping your savings idle in a bank account (where inflation silently eats into it), you could put them in funds as per your goal to at least beat inflation while keeping risk low.

Gone are the days of forms, cheques and confusing bank visits. Today, you can start investing in minutes with a mutual funds mobile app. The best part? With MINTIT, you get guided suggestions that match your risk profile and goals. So even if you’re new, you don’t feel lost in the jargon jungle. You can choose the right types of mutual funds and track performance in real-time.

Final Thoughts: Later is Expensive

Delaying investments is like paying a silent tax to time. The longer you wait, the more it costs you in lost opportunities, missed compounding and inflation bites.

The good news? You don’t have to overhaul your life to start. With SIPs, even beginners can ease in. With trusted mutual funds, you can stay secure. And with a mutual funds mobile app, the whole process is simpler than ordering groceries online.

So, the next time you say, “I’ll start later,” think about it: delaying for “just a little while” could literally cost you your dream house, your child’s college fund or your early retirement. Because later isn’t just late. Later is costly. And the smartest money move you can make today is to actually start today.

Your future self is waiting and it’s either going to thank you or regret you. The choice is totally in your hands.