By Nitin Ghai (Certified Mutual Fund Distributor)

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A few months back, I got a message from a gentleman in Delhi, age 48, who runs a small stationery shop. His concern was simple:

👉 “Sir, is it even worth starting mutual fund investments at my age? I don’t want to waste your time if it’s too late.”

We met and discussed his situation. He had some stock market experience but, like many, had faced more losses than gains.

At first, he was reluctant to set a goal. But when I insisted, he said:
➡️ “If I invest, I’d like to create at least ₹1 crore in 12–15 years.”

When we worked out the numbers, he realised something important:

• At 48, big expenses like children’s education were already behind him.

• He had a clear understanding of monthly household needs.

• That actually made it easier to plan confidently for the future.

The very next day, he started a SIP of ₹11,000/month.

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🎯 The Takeaway

It’s not that people don’t want to invest — many are already trying through stocks or apps. But structured planning makes the difference.

And the truth is: 48 is not “too late.”
In fact, for many, it’s the best time — because you finally have clarity about your goals, your expenses, and the years ahead.

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— Experience Shared by Nitin Ghai, Certified Mutual Fund Distributor (Delhi/NCR), 8+ years of investing experience

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Disclaimer: Mutual fund investments are subject to market risks. Past performance is not a guarantee of future results. Educational purpose only, not investment advice.

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