If You Earn Under Rs. 1 Lakh a Month, Read This Before 30

Start a Rs 15,000 SIP in Nifty 50 or Sensex index funds for long-term growth.

Add a Rs 5,000 SIP in a flexi cap fund to balance market cycles.

Build a Rs 3.6 lakh emergency fund equal to six months expenses at Rs 60,000 monthly.

Park emergency money in liquid mutual funds instead of savings accounts for faster access.

Buy a Rs 1.5 crore term insurance before 30 to lock lowest lifetime premiums.

Avoid EMI purchases on phones under Rs 30,000 to protect monthly cash flow.

<amp-img layout="fill" src="https://img-cdn.publive.online/{{banner_url}}" width="720" height="1280" class="cover-image" alt="{{title}}"></amp-img> <div class='full-content-wrapper'> <div id="amp_story_content_recommended"> <div class="story-content-section_recommended"> <p id='story-category'>{{ primary_category.name }}</p> <h2 class="primary_font truncate_title">{{title}}</h2> <p class="article-author">By {{ contributors.0.name }} <span class="{{second_author_display_class}}">&amp; {{ contributors.1.name }}</span></p> </div> </div> </div> <div class="publisher_logo"> <amp-img src="https://img-cdn.publive.online/industry-wired/media/agency_attachments/2024/12/04/2024-12-04t130350653z-favicon.jpg" height="1000" width="1000" layout="responsive" class="cover" > </amp-img> </div> <div class="outlink-container"> <a href="{{absolute_url}}"> <div class="arrow-next"><svg fill="#fff"viewBox="0 0 20 8" width="20px" height="8px"><path d="m18 7.7-.7-.2-7.3-4-7.3 4c-.7.4-1.6.2-2-.6-.4-.7-.1-1.6.6-2l8-4.4a2 2 0 0 1 1.5 0l8 4.4c.7.4 1 1.3.6 2-.4.5-.9.8-1.4.8z"></path></svg></div> <div class="svg-container"> <amp-img src="https://img-cdn.publive.online/industry-wired/media/agency_attachments/2024/12/04/2024-12-04t130350653z-favicon.jpg" width="25" height="25"></amp-img> </div> Read Next</a> </div>