If you are planning to start your investment in the new year i.e. 2025, then two things should always be kept in mind before starting the investment journey. Time and return on investment. The longer you invest for, the higher the return you will get. You have to ensure that you will achieve your goals with minimal risk. You have to plan keeping in mind the amount you want to get in the future through investment. Here we are telling some great tips of investment mathematics, which will make things very clear and easy for you. 50-20-30 rule
This rule is as clear as its numbers. You have to divide your money into three parts. After tax, 50% of the salary has to be kept for household expenses. 20% has to be kept for the needs that fall on a short period of time and 30% has to be invested for the needs in the future. 15-15-15 rule
This rule is for those who believe in long term investment. In this, 15 thousand rupees have to be invested every month for 15 years in such assets which give a return of 15% annually. Investment made in equity is suitable for this. Because despite the fluctuations in the stock market, the stock market has always ensured to give 15% return in the long term. Rule of 72
This rule tells the time taken to double the money. Divide 72 by the possible return or interest rate and see. If you get 15% return on investment in SIP, then to find out the time taken to double it, you can divide 72 by 15, which will be equal to 4.8 years. Rule of 114
This rule gives the calculation of the time taken to triple the amount. You can find this time by dividing 114 by the possible interest rate. For example, if your investments give you a 15% annual return, divide 114 by 15, which is equal to 7.6 years. 100 minus
age This is about asset allocation. Subtract your age from 100. The number you get is the percentage you should invest in the stock market. This rule is based on the fact that the younger you are, the higher your risk-taking ability. You will also be able to recover any losses you incur during this period.
