Here’s How the Best App for Investing in Mutual Funds Helps

Meet Rohan. He is 32 years old, lives in Pune and works a 9-to-5 job at a tech company. Like many of us, he thought he had plenty of time. When he landed his first job at 24, saving wasn’t on his radar. Weekends were about brunches, gadgets, Netflix binges and EMIs. Friends who spoke about SIPs sounded “too serious.”

Fast forward eight years and Rohan earns more but is facing a harsh reality: wealth isn’t built by how much you earn, but by how early you start. The years he ignored investing represent crores of rupees in lost wealth.

According to the Association of Mutual Funds in India (AMFI), more than 60% of Indian investors start SIPs after age 30, missing out on nearly 40% of potential wealth creation over a lifetime. The market always rewards the early birds.

What Rohan Missed?

By prioritising short-term expenses, Rohan missed out on a fortune. Let’s break it down. If Rohan had started a long-term SIP investment at age 25, putting Rs 10,000 every month at 12% CAGR until age 55, his corpus would stand at Rs 3.52 crore. But starting at age 32, he’ll have only Rs 1.47 crore at 55. That’s nearly Rs 2 crore lost to procrastination. And this isn’t a what-if scenario, data shows this loss is very real.

Here’s how delays chip away at wealth creation:

A Late Start Hurts More Than You Think

Starting late isn’t just about smaller numbers, it’s also about losing the benefit of compounding, which grows exponentially. Early years might look modest, but the real magic happens when your corpus snowballs in later years. By missing the start, Rohan robbed himself of that exponential growth.

And then there are lifestyle realities: EMIs, family expenses and kids make it harder to invest bigger amounts in your 30s. To catch up, Rohan would need to invest more than double what an early starter invests. He also missed big bull runs like 2010–2020, when mid-cap and small-cap funds soared. Add to that the fact that many mutual funds deliver 12–14% over long periods and you see why waiting is wealth-destructive.

But the good news? It’s not too late. Rohan, or anyone in his shoes, can still play catch-up with smart strategies:

• Raise SIP Amounts: To reach a Rs 3.52 crore corpus by age 55, Rohan now needs to invest Rs 24,000 monthly instead of Rs 10,000.
• Step-Up SIPs: Increasing his SIP by 12% every year can help him reach Rs 3.55 crore by 55.
• Extend the Horizon: Investing until 62 can close the gap, though inflation-adjusted values would be lower.
• Diversify: A smart mix of large-cap, flexi-cap and mid-cap funds with long-term track records can optimise returns.

And here’s the big takeaway: SIP investment is safe when done with discipline and patience, especially in equity mutual funds where volatility smooths out over the long run.

How Apps Make It Easy

Unlike Rohan’s early years of excuses, today investing has never been simpler. With the best app for investing in mutual funds, you can start, pause or step up your SIP with just a few taps.

MINTIT, our app for investing in mutual funds ensures you get personalised recommendations, easy tracking and the flexibility to align investments with your financial goals. We help in removing all the guesswork, making SIPs beginner-friendly, automated and truly stress-free.

Inflation will always rise and expenses will never end. The only way to stay ahead is by starting early and sticking to a long-term SIP investment strategy.  So, stop thinking and start acting. Download MINTIT, get started today and let compounding do the heavy lifting for your future.