"Ultimate Cost of a Gadget / Spend" -

Assume that a family spends just Rs.50,000 /- a year, on a latest gadget or any other kind et al...The ultimate cost is an eye opener. Rs.50,000/- a year of thoughtless spending leads one to loose Rs.1.02 Cr of accumulated corpus, grown at an annual rate of 18% p.a, over a 21 year period. The same still delivers over Rs.27 lacs at a modest return of 8% p.a. 

Now, let's add a 'zero' to 50,000 rupees of unnecessary spending and make it 5 lacs....😀. I leave it to your imagination on the ultimate corpus. 

It is not a couple of % points in Returns that matter most....Before that, "COST OF SPENDING", matters.

And the 1st, 5 years of investment delivers 40% - 60% of the ultimate corpus. That is Compounding.

Think, before Spending. What to spend on & What to Avoid. That makes the difference.

Happy, 'less spending'

Happy, 'more investing'