Nitin Ghai (AMFI Registered Mutual Fund Distributor | IRDAI General Insurance Certified) | MutualFundVibe

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Recently, while reading Dopamine Nation by Dr. Anna Lembke, I came across a line that struck me deeply. She explains how our brain’s dopamine system works — and how too much emotional “high” or “low” can damage our mental balance.

Her core message was simple:
If we want stable mental health, we must avoid extreme dopamine spikes — not getting too excited when things go well and not getting crushed when things go wrong.

And it instantly reminded me of a timeless teaching from the Bhagavad Geeta, where Krishna Ji says:
“Sukh-dukh, labh-alabh, jeet-haar — treat them with equanimity.”
Stay steady in both joy and sorrow.

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And surprisingly, the same truth applies to investing.

In my years as a Mutual Fund Distributor, I’ve seen two common patterns:

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1️. “Past 6 years gave great returns — let me book profit now.”

This emotional high — this dopamine spike — makes people exit right before the real wealth creation phase.
They miss compounding’s most powerful years, which usually come after year 7, 8, 9…

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2️. “My 2-year SIP hasn’t given much. Maybe I should stop.”

This is the emotional low — disappointment — causing people to quit just before compounding takes over.
The magic of SIPs rarely shows in the first 2–3 years.
The curve bends upward much later.

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So what’s the lesson?

Whether it’s life, mental health, or investing — the principle is the same:

📉 Avoid extreme reactions
📈 Stay consistent
⏳ Let time do its job

The Geeta teaches it.
Dopamine science explains it.
And investing rewards it.

In the end, patience isn’t just a virtue — it’s a wealth strategy.

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📌 Disclaimer:

Mutual fund investments are subject to market risks. Past performance does not guarantee future returns. Please consult a certified financial advisor before investing.

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