The compounding math nobody in retail thinks about.

I'll give you a piece of math that will change how you think about wealth. A ₹1 lakh investment growing at 12% per year: • 10 years: ₹3.1 lakh • 20 years: ₹9.6 lakh • 30 years: ₹30 lakh • 40 years: ₹93 lakh Notice something. Years 30 to 40 — just the last 10 years — added ₹63 lakh. More than the previous 30 years combined. This is the secret of compounding. The last 10 years do most of the work. Buffett made 99% of his net worth after age 60. What this means for you: 1. Starting early matters more than starting big. 2. NOT selling matters more than picking winners. 3. The 25-year-old who invests ₹10K/month and doesn't touch it will out-perform the 40-year-old who invests ₹40K/month. If you're 25: this is everything. If you're 35: still works, but you need to invest 3x more per month. If you're 45: still works, you just need to live frugally and let it run.