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Investment Tips 2026: It is very important to invest to secure your future. Many people think that if the salary is low then they cannot invest, but this is a wrong thinking. Whether the income is low or high, everyone should invest. A small amount can be invested every month even with a low salary.

Today we will take the example of a monthly salary of Rs 1 lakh and tell you how much should be invested every month and which formula would be right to adopt. Let us know.

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50-30-20 formula

If your salary is Rs 1 lakh per month, then you can adopt 50-30-20 formula. In this the salary is divided into three parts.

According to this formula, invest 50 percent of the salary i.e. Rs 50,000 on necessary expenses. This includes house rent, ration, electricity-water bill, other bills and children’s fees.

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Keep 30 percent of the salary i.e. Rs 30,000 for the expenses of your need and choice. This may include travelling, shopping, personal expenditure, entertainment and eating out.

Invest the remaining 20 percent i.e. Rs 20,000 every month.

However, the amount of investment may vary according to the expenses of each person. Rs 20,000 can be considered as minimum investment. If you are able to save more, you can increase the investment amount.

Instead of investing this Rs 20,000 in one place, divide it among different options. You can invest in mutual funds SIP, PPF, EPF, health insurance, term insurance and emergency fund.

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