
Wizzofin - Financial Wisdom
June 14, 2025 at 06:03 PM
💡 *A 30-year-old with ₹20 Lakh is richer than a 60-year-old with ₹1 Crore — Wizzofin Wisdom*
Let’s understand this with Time Value of Money & Compounding Power:
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📊 Scenario 1: 30-Year-Old
• Amount: ₹20 Lakhs
• Time Horizon: 30 years (till age 60)
• Return: 12% annually (equity mutual funds)
📈 Future Value:
₹20,00,000 × (1.12)^30 = ₹5.96 Crores+
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👴 Scenario 2: 60-Year-Old
• Amount: ₹1 Crore
• Time Horizon: 0 years
• Compounding = Over
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🧠 Conclusion:
The 30-year-old is 5–6x richer in future value terms — just because of time.
Wealth = Money × Time × Growth Rate
Even a small amount invested early → becomes massive later.
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🧭 Wizzofin Takeaway:
“Don’t wait to have ₹1 Cr to start.
Start early, stay consistent — and compounding will do the magic.”
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