If you’re under 30 and thinking about mutual funds, congratulations! You’re already ahead of the curve. Starting early is one of the most powerful tools in wealth creation. But a common question arises:

“How much should I actually invest?”

Here’s the simple answer:
👉 It depends on you.
Your lifestyle, income, financial goals, and mindset all influence how much you should invest.

Let’s break it down.

1. What Are You Investing For?

Your goals will shape your investment strategy.

• Saving for a house or higher education?
  
• Want to build a retirement corpus from now?
  
• Just want to get started and build discipline?
  

Set clear goals, even if they’re rough. Once you know why you’re investing, it becomes easier to decide how much to allocate.

2. Time Is On Your Side

Being under 30 means you have decades ahead to grow your money.

With mutual funds, time + compounding = magic.
Even small, consistent SIPs (Systematic Investment Plans) can turn into significant amounts over time.

So if you’re not sure how much to start with just start. Let consistency do the heavy lifting.

3. Know Your Risk Appetite

Most people under 30 can afford to take slightly higher risks because they have time to recover from market dips.

That doesn’t mean going all-in on high-risk funds. But it does mean you can afford a healthy mix of equity mutual funds that may be more volatile in the short term but rewarding in the long run.

Still unsure? A balanced or flexi-cap fund can offer a good starting point with managed risk.

4. Think of Your Overall Financial Health

Before deciding how much to invest, ask yourself:

• Do you have an emergency fund?
  
• Are you debt-free or managing EMIs responsibly?
  
• Can you comfortably set aside money every month?
  

Start with what you can commit to consistently, even if it’s small. You can always increase it later.

5. Use Increases in Income Wisely

As your career grows, don’t let lifestyle inflation take it all.

Increase your SIP amount every time your salary increases even by a little. This habit alone can make a big difference by the time you’re in your 40s.

The Bottom Line

There’s no magic number.
Whether it’s ₹500 or ₹5,000 a month—what matters is that you start early, stay consistent, and review your goals along the way.

Being under 30 gives you the gift of time. Use it well.

Want help building your first mutual fund plan?

At Pragati Funds, we specialize in helping young investors create smart, personalized strategies.

📞 Reach out to us today at +91 97254 10042
Let’s create a plan that works for you, not just the market.