₹20K Investment Strategy I How to Invest a ₹1 Lakh Salary (20% SIP Strategy) 💡

Earning ₹1 Lakh/month? If you follow the 20% investment rule, you have ₹20,000 every month ready to build real wealth! 🚀 The biggest advantage in your 20s and 30s isn't just higher income—it's TIME and savings capacity. Here’s a breakdown of how to structure your ₹20K SIP depending on your risk appetite and financial goals: 📌 Risk Profiles (Ages 25–35): • Low Risk: 60% Debt + 40% Equity • Medium Risk: 30% Debt + 70% Equity • High Risk: Up to 100% Equity (Only if Emergency Fund & Insurance are secured!) 📌 Capital Preservation Model (Debt vs Equity): • Debt Portion (₹12,000): Corporate Bond Funds & Gold ETFs for stability. • Equity Portion (₹8,000): Nifty 50 & Large Cap Index Funds for core long-term growth. Make sure your foundational base—Emergency Fund (6-12 months) + Health & Term Insurance—is solid before pushing for high-growth portfolios! Which allocation aligns best with your current risk level? Drop your thoughts below! 👇 #SIP #FinancialLiteracy #InvestmentStrategy #PersonalFinance #IndexFunds #MutualFundsIndia #TheWiseSideOfLife