Two Saturdays. Two Outcomes

On one Saturday, Ravi checks the news: war headlines, market down 3%. He sells "to be safe." On the next, Meera opens her SIP screen and invests the same amount she did last month—no drama, no timing.

Fast-forward a decade:

• Sensex (100 → 80,000 since 1979) has zig-zagged through scams, recessions, COVID, demonetization—yet marched up.
• Ravi chased peaks and panics, paid taxes on churn, and missed compounding.
• Meera followed a few rules and let India's growth do the heavy lifting.

What Meera did differently (and you can too):

1. Asked the 20-year question, not the 20-minute one. If India produces more, GDP rises—and markets follow.
2. Used signals, not sentiments. When Market-Cap-to-GDP is around ~0.5, history says pessimism = opportunity.
3. Separated protection from growth. Term insurance for risk; equities/index for wealth. No "combo" traps.
4. Automated accumulation. A simple SIP through highs and lows beat Ravi's best guesswork.
5. Focused on real returns. 6% returns on FD with 7% inflation = going backwards.
6. Defined retirement by a number, not an age. When assets' income ≥ lifestyle, you're free—whether at 40 or 70.

If this feels refreshingly simple, that's the point. The hard part isn't math—it's mindset and method.

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— The Economic Times