Skip to main content
Scripbox Logo

Why I Will Always Have Less Money Than Abhay!

Abhay is a 35-year-old family guy who works at a small content management company in Bengaluru. He saves Rs. 10,000 every year. He started investing in mutual funds at the age of 25 and has managed to invest 10K every year, until 35 (for a total of 10 years). Due to family reasons, he is unable to save anymore.. and this little fund grows on its own without any further investments.

Now let's say that I woke up to investing at the age of 35. I’ve resolved to invest the same amount as Abhay (Rs. 10K per year). I am determined and each year until the age of 65 (for a total of 30 years) I saved and invested this amount without any withdrawals.

If we both had exactly the same rate of return, who do you think will have more wealth at the age of 65?

This answer surprises most people. When I saw the calculation I was blown away. Abhay wins hands down. In fact, he has 3x more of what I would have at age 65, even though I saved for 30 years while he saved only for 10 years!!

Try your own calculation in this excel sheet

We often do not realize that by allowing our money to follow two simple principles, we will enjoy “The Right to Prosperity”, a term coined by one of Scripbox's founders. Abhay is just one among many of our happy customers. They all follow these principles and are running 10 years ahead of me. But inspired to start now, I’m hoping to be 10 years ahead of many others.

What are these principles?


  1. Early bird gets the worm, never under-estimate the power of compounding. Your early investments matters the most in determining where you will end up.
  2. Understand inflation and beat it. Always. In India, it’s at 8% every year. Many instruments such as Fixed Deposits are taxed at around 30%, so your net return is 6%. Since the net return is less than inflation, you will end up saving less than what your needs are i.e.: prices will always grow faster than your savings.

So.. Here’s the answer to being "Abhay". Start now!

Our Most Popular Categories

Achieve all your financial goals with Scripbox. Start Now