Nothing better than to be the master of your life

My Story

Since I was in high school, I was constantly told to study hard, get good marks so that I could get a good job. It took me almost one-third of my life (hopefully) to complete study and end up in a job in the corporate world only to realize that I do not belong here.

You work all day throughout your life to save money for the future. You start working from the age of 25 for retirement which is 35 years away. Even during this journey to retirement at every time, there is one or another obligation/requirement for which you need money.

It reminds me of an incident:

Someone was walking fast with a bicycle. Another person asked why are you not riding the bicycle to which he replied that I am late and don’t have the time to ride the bicycle.

It is the same situation that we all are going through. We don’t have the time to get our finances in order. We are so busy working for money that we don’t realize that even money can work for us. Let us understand with a small example:

Value of Rs. 5.00 lacs after 20 years

  • at 8.00% annualized return is Rs. 48.23 lacs
  • at 15.00% annualized return is Rs 81.83 lacs
  • at 18.00% annualized return is Rs. 1.37 Cr

Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.

- Albert Einstein

This is how you make money work for you through investment decisions. History is full of examples where many persons earning a hell lot of money died in poverty due to poor personal financial management.

Fortunately for me, I had realized the fact in the initial years of my job and started the journey towards becoming financially independent. I had initially started with mutual fund investments and later invested in direct equity as well.

I had incurred losses in my investment in direct equity during the initial years as it is very difficult for an average investor to even beat the index in long run. So I started learning about mutual funds. I have always invested via SIP and invested heavily in lump sum during 2008, 2013, and 2020 market falls.

I have already created a corpus of mutual funds which can bear my present expenses comfortably and other long-term goals/requirements. The money is already working for me. I haven’t yet left the job and planning to continue it for a period of another 5 years during which I shall further strengthen the portfolio so that it could withstand any unforeseen event.

I shall be retiring after 5 years at the age of 45 and shall be pursuing other interests. I may not even require the funds for further 10 years as I shall be able to support my day-to-day expenses.

If you don’t find a way to make money while you sleep you will work until you die.

- Warren Buffet

The objective of the Blog

Through this blog, I intend to share my experiences in investing. It is said that the best thing is to learn from other’s mistakes. We can only reach our destination if we are traveling in the right direction. There could be delays but we are sure to reach if the direction is right.

Those who intend to leave the rat race may start working towards better financial management and follow the blog. My primary focus shall be on mutual fund investing. There are many good books, blogs available to improve the knowledge and make money work for you. You may also refer to the same for better results.

An investment in knowledge pays the best interest

– Benjamin Franklin

You can submit here, your suggestions, queries, etc. 

So let us start the journey of financial independence.


Your friend and well-wisher

Contrarian Singh



(Retire Early with Mutual Funds)