Friday, May 23, 2025

Biggest regrets people often express when they delay or avoid investing

 

1. “I wish I started earlier.”

  • The power of compounding works best with time, not just money.

  • Starting even 5–10 years earlier can double or triple your wealth.

📉 Regret: “Had I invested ₹5,000/month in my 20s, I'd have ₹1+ crore by now.”


2. “I spent too much and saved too little.”

  • Many people only save what’s left after spending — instead of spending what’s left after saving.

  • Delayed gratification is rare, but it pays huge dividends later.

📉 Regret: “I could have saved so much in my 30s, but lifestyle expenses ate it all.”


3. “I kept waiting for the ‘right time’ to invest.”

  • Timing the market is nearly impossible.

  • Staying invested consistently beats waiting for the perfect entry.

📉 Regret: “I waited for the market to fall. It never did — and I missed the rally.”


4. “I invested only in FDs and gold.”

  • While safe, these don’t often beat inflation.

  • Not investing in mutual funds or equities can lead to poor real returns.

📉 Regret: “My FD gave me 6%, but inflation was 7% — I actually lost money.”


5. “I didn't invest for my child's education.”

  • Education costs double every 6–7 years.

  • Many regret not planning early and end up taking expensive education loans.

📉 Regret: “My son got into a top college, but we had no savings for fees.”


6. “I withdrew my investments too early.”

  • Impatience kills compounding.

  • Many investors panic during market dips and sell, missing out on recovery.

📉 Regret: “I withdrew in 2020 during the crash — and missed the market rebound.”


7. “I never consulted a financial advisor.”

  • DIY investing without knowledge can lead to poor decisions.

  • Professional advice can help set realistic goals and avoid emotional investing.

📉 Regret: “I chased tips and hype, and lost lakhs — should have asked an expert.”


Final Thought:

💬 “The best time to invest was yesterday. The second best time is today.”




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