Before you invest
your first ₹100.
Most "how to invest" content skips the boring part — the part that actually keeps you from losing money. This kit makes you do that part first. Nine tools. Zero filler.
The Investing Roadmap
In order. Don't skip ahead — step 5 (SIP) is where most Gen Z investors wrongly start. Click each milestone as you complete it; your kit progress updates in the sidebar.
Emergency Fund Calculator
This is the most boring, most important number in personal finance. Before any SIP, any stock, any "hot tip" — this needs to exist.
Mutual Fund vs ETF
Both are baskets of stocks/bonds. The difference is in how you buy them and what they cost you.
| Mutual Fund (Active/Index) | ETF (Exchange Traded Fund) | |
|---|---|---|
| How you buy it | Directly from AMC (app/website), no demat needed for regular plans | Buy/sell on stock exchange like a share — needs a demat + trading account |
| Price | One NAV per day, set after market closes | Price changes every second during market hours, like a stock |
| Minimum investment | SIP from ₹100–₹500 | Cost of 1 unit (often ₹40–₹250) + brokerage |
| SIP support | Native, automatic, built into every app | Manual unless your broker offers "ETF SIP" (fewer do) |
| Expense ratio | Index funds: ~0.1–0.5% · Active funds: ~1–2.25% | Usually lowest, ~0.05–0.20% |
| Liquidity / exit | Redeem any business day at next NAV | Sell instantly during market hours — but watch for low trading volume |
| Best for | Beginners, automation, no demat hassle, rupee-cost averaging via SIP | People who already have a demat account and want the lowest possible cost |
Quick pick: which one should you actually start with?
SIP Checklist
Before you hit "Start SIP" on any app, confirm every box below. Your progress is saved in this session.
Beginner Mistakes to Avoid
Every one of these has cost real Gen Z investors real money. In order of how often they happen.
Investment Glossary
50 terms you'll actually run into in your first year of investing. Search or filter by category.
Risk Profile Quiz
Six questions. Your honest answers, not the "cool" answers — this decides how your money should actually be split.
"Should I Trust This Finfluencer?" Check
Before you follow advice from any Instagram/YouTube/Telegram "finance guru" — run them through this 10-point check.
FOMO Check
Before you buy anything because it's "going to the moon" — answer this one honestly.