{"id":273,"date":"2019-08-13T08:29:04","date_gmt":"2019-08-13T08:29:04","guid":{"rendered":"http:\/\/blog.budwisefunds.com\/?p=273"},"modified":"2020-12-07T13:59:32","modified_gmt":"2020-12-07T13:59:32","slug":"save-money-secure-your-future-what-will-be-the-ideal-amount-i-should-save-every-month","status":"publish","type":"post","link":"https:\/\/budwisefunds.com\/blog\/save-money-secure-your-future-what-will-be-the-ideal-amount-i-should-save-every-month\/","title":{"rendered":"Save Money, Secure Your Future &#8211; What will be the ideal amount I should save every month?"},"content":{"rendered":"\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Each and every individual should invest a certain amount of money regularly to fulfil his goals. However, most of the individuals do not realize the need for investing.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/whatismutualfund.in\/\" target=\"_blank\" rel=\"noopener noreferrer\">What is Mutual Fund\u00a0<\/a><\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">And those who do, are not sure of the amount which they should invest. And hence both end up not investing anywhere. <\/span><span style=\"font-size: 20px; color: #000000;\">It is very crucial for any person to get started with investments and save money for future needs.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Delaying it will only increase the burden on your shoulders in the future. And then you will have to contribute more towards the accomplishment of the same set of goals save money for the future needs.<\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Many of the naive investors face this problem of how much? One should not invest just for the sake of investing. Investing the right amount is also equally important. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">For example, a 40 years old person with a higher risk appetite who wants to build a retirement corpus of say Rs 1 Cr will have to invest Rs.10,000 per month at an expected rate of return of 12% p.a. in order to achieve his retirement goal.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"> But if he is not aware of the fact that how much amount he should invest then he might not be able to achieve his retirement corpus.<\/span><\/p>\r\n<h2 class=\"entry-title\"><strong><span style=\"font-size: 24px;\">Also Read: <\/span><\/strong><a href=\"https:\/\/budwisefunds.com\/blog\/risk-o-meter-in-mutual-funds\/\" rel=\"bookmark\">Risk-O-meter in mutual funds<\/a><\/h2>\r\n<h2 style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"><strong>INVESTMENT IS FOLLOWED BY SAVING<\/strong><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">If an individual is not able to save then how will he invest? One has to make a balance between discretionary and non-discretionary expenses. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Discretionary expenses are those expenses which satisfy our wants, for example, going for dinner, movies, shopping, vacations etc. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">These expenses can be avoided\/frequency of visits can be reduced if an individual is not able to save extra out of his income.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">While non-discretionary expenses are indispensable as they satisfy our needs, for example, groceries, utility bills, school fees, etc. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">These expenses cannot be avoided but can be reduced if one pays careful attention to the expenses. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">For example, a person may opt for prepaid plans instead of postpaid plans as the former is more economical.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading:<a href=\"https:\/\/www.mutualfundssahihai.com\/en\/wont-i-need-large-amount-invest-mutual-funds\" target=\"_blank\" rel=\"noopener noreferrer\"> Mutual Fund Sahi Hai<\/a><\/span><\/strong><\/p>\r\n<h2 style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"><strong>RULE 50\/30\/20<\/strong><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">An individual can always follow this thumb rule in order to manage his income effectively. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">This rule states that a person should employ 50% of his monthly income towards the fulfilment of basic needs which are vital for running a household.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"> The next 20% should be earmarked for saving purpose and the rest 30% can be utilized for one\u2019s discretionary expenses. However, a person will be better off if he saves more.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">So, now coming back to the main question, how much should one invest? Well, there is no straight forward answer to this question.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"> It depends on the number of factors which vary from investor to investor. These factors are mentioned below:-<\/span><\/p>\r\n<h3 style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"><strong>FINANCIAL GOALS TO BE ACHIEVED\u00a0<\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">We all have different sets of goals. Some may have the goal of buying a home while some may want to build a corpus for their children&#8217;s marriage or education. The corpus required in both situations will be different and hence the amount to be invested will be different.<\/span><\/p>\r\n<h3 style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"><strong>SAVE MONEY WITH\u00a0 <\/strong><\/span><span style=\"font-size: 20px; color: #000000;\"><strong>TIME<\/strong> <strong>HORIZON<\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Have you ever wondered why is it necessary to invest early and how much difference can it create to your wealth in the long term? Well, investing is all about time.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"> If you start investing at the beginning of your career then you will have to put in less money to achieve your future goals, while on the other hand, if you delayed investing by 10 years then the investment amount will raise manifold. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">The factor responsible for this is compound interest.<\/span><\/p>\r\n<h2 class=\"entry-title\"><strong><span style=\"font-size: 24px;\">Also Read: <\/span><\/strong><a href=\"https:\/\/budwisefunds.com\/blog\/reduce-investment-risk-with-practical-strategies\/\" rel=\"bookmark\">Reduce Investment Risk with Practical strategies<\/a><\/h2>\r\n<h3 style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"><strong>RISK APPETITE<\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Your risk appetite also influences the amount you need to set aside for the accomplishment of your goals.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"> A person having a higher risk appetite can afford to invest in risky asset classes. Like equities on which higher returns can be earned which lessens the amount of investment required.<\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<h3 style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"><strong>SAVINGS <\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">An individual who has just started off with his career might not save too much out of his income but that should not stop him from investing.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"> For example, you want Rs.1 crore after 20 years and for that, you need to invest Rs 10000 p.m. at 12% p.a. return towards achieving a goal which is 20 years away from now, but you are able to save only Rs 5000 currently. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">So instead of deferring your investments, you should at least start investing this much amount.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">If in case the investment is delayed by say only 5 years, then the per month investment requirement will shoot to Rs 19800 from Rs 10000. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">While on the other hand, if you would have been investing Rs 5000 p.m., then after 5 years you are required to put Rs 14900 for the attainment of your set goal.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/economictimes.indiatimes.com\/wealth\/invest\/top-10-investment-options\/articleshow\/64066079.cms?from=mdr\" target=\"_blank\" rel=\"noopener noreferrer\">Economics Times<\/a>\u00a0<\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\"><strong> <img loading=\"lazy\" id=\"idealamountshould\" class=\"aligncenter wp-image-562 size-medium\" style=\"cursor: pointer;\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png\" alt=\"\" width=\"300\" height=\"88\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png 300w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1024x299.png 1024w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-768x224.png 768w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1536x449.png 1536w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-2048x598.png 2048w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1200x350.png 1200w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1980x578.png 1980w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/strong><\/span><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Each and every individual should invest a certain amount of money regularly to fulfil his goals. However, most of the individuals do not realize the need for investing. Further Reading:&hellip; <\/p>\n","protected":false},"author":1,"featured_media":2131,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[13],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Save Money, Secure Your Future - What will be the ideal amount...<\/title>\n<meta name=\"description\" content=\"Both end up not investing anywhere. 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