Markets Are Too Risky, Maybe My Savings Account Is Safer?
This thought made me actually wonder, What if I let ₹1,00,000 sit in my savings account instead of investing it? What would happen?
A very similar study was done by Barclays which found that, over a 20-year period, after factoring in inflation, interest, and fees, money left sitting in cash lost 40.5% of its real purchasing power. In contrast, an equivalent diversified investment portfolio grew by 21.6% in real terms. This created a massive 62.1 percentage point wealth gap between those who sat on cash and those who invested.
Which made me eventually realise: Your Salary Makes You a Living. Your Investments Make You Wealthy.
Your salary was never meant to make you rich. It was only meant to fund your investments. Here’s an uncomfortable truth:
“the richest people you’ve ever heard of didn’t get rich by saving money. They got rich by putting it to work. If you’re still treating investing as something “you’ll get to eventually” this one’s for you”
One thing that really struck me is, The most profound realization that there is no such thing as ‘not investing.’
Holding cash is not a neutral act. Choosing to leave your money in a savings account means you are actively making a heavy investment bet. You are choosing to invest 100% of your portfolio into the currency of your home country. You are betting that your local currency will outperform global businesses, real estate, and innovation. Historically, that is a bet that has never won.
The Mighty Investors
What do Warren Buffett and Rakesh Jhunjhunwala have in common? It wasn’t the amount of money they started with. It was what they did with it.
Two of the greatest investors in history, Warren Buffett and Rakesh Jhunjhunwala show us what happens when money is put to work consistently and given enough time. Buffett spent decades letting compounding transform his investments, while Jhunjhunwala used patience, conviction, and the ability to spot opportunities to build extraordinary wealth. Neither story was built overnight. Their lesson is simple:
Start with what you have, invest consistently, think long term, and give your money time to compound. Because you don’t need their wealth to follow their approach, you just need to start.
Why This Matters to Us?
Here’s what these stories have in common, None of them people got rich by earning more. They got rich because they understood one idea early that most people never will: Money that sits still loses value; money that’s invested compounds.
And Investing isn’t just about money, it changes how you think. It builds in discipline, it forces you to read, to question, to understand businesses, currencies, and cycles instead of just clocking in and out. It forces you to think in years not days. It builds patience in a world obsessed with instant results. It teaches you to sit still when everyone else is panicking, and to be skeptical when everyone else is euphoric. Ask any serious investor the money is often the smaller reward, the cherry on the cake. The bigger one is the discipline and clarity you gain along the way.
And that discipline is exactly most people never build. They panic at bottom and get greedy at the top. Not because they are foolish, but because they are just humans.
What if you could remove the most unpredictable part of investing: Yourself?
What if the discipline that takes most investors decades to build could be coded into a system from day one? That’s what algos bring to the table, institutional-grade discipline, available to anyone. Algorithms don’t get greedy, they don’t panic sell or make a decision out of fear. Algorithms help in-
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Removing emotion: no panic-selling at the bottom, no euphoric buying at the top
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Consistency: the same rules, applied every single time, without fatigue or bias
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Speed and scale: spotting patterns across thousands of data points faster than any human ever could
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Discipline: a system doesn’t get greedy or fearful; it just executes
Algos aren’t magic. But they are a way to bring the same institutional-grade discipline that large funds built, to decisions that most retail investors get wrong purely because they’re human.
The Real Takeaway
You don’t need ₹5,000 crore. You don’t need a PhD in mathematics. You need to start with whatever amount, however small and let time and consistency do what they’ve always done for the people who came before you.
Buffet had time. Jhunjhunwala had conviction and Jim Simons had a tool. You have all three available to you, more easily than any generation before you ever had. The only variable left is whether you will start today or just procrastinate and read posts like this 5 years from now and wonder where the time went.
The best time to start investing was 10 years ago. The second-best time is today.
So where does your money sit right now? Growing, or waiting?
Drop your thoughts below.
Let’s build a community that doesn’t just talk about wealth, that builds it.