Why Most People Delay Investing (and How to Fix It Today)
Let’s uncover the real emotional reasons we delay investing - and how to begin, with peace of mind.
Bunny’s Dilemma: “Paisa toh hai… par invest karne ka mann nahi karta!”
Bunny stared at his phone, looking at his bank balance.
“Not bad,” he thought. “Thodi savings toh ho rahi hai.”
But the moment he opened any investment app…
Freeze. Anxiety. Confusion. Tab close.
And then that famous Indian middle-class thought popped up:
“Shaadi ke baad dekhte hain...”
“Ek baar stable ho jaaun, phir shuru karunga…”
“Market gir gaya toh?”
“Next month naya iPhone bhi launch ho raha hai...”
Every excuse felt logical.
Every delay felt justified.
But deep down, Bunny knew - he needs to fix this attitude.
Uncle Enters: “Bunny, tum future ke liye save nahi kar rahe. Tum future se bhaag rahe ho.”
Bunny met me, Investing Uncle, one lazy Sunday at 09:15 AM, while sipping chai:
“Uncle, main chahata toh hoon invest karna…
Par jab bhi sochta hoon, itna pressure lagta hai...
Like, what if I make a mistake?”
I smiled.
“Bunny, kya tumne pehli baar gym jaate hi 30 kg weight lift kar liya tha?
waise hi, pehli baar invest karne se Mutual Funds ka Taste develop hoga! Phehle Taste develop karo, depressurize apne aap ho jaaoge”
The Real Reason We Delay Investing (And It’s Not Laziness)
People think the problem is:
"Main lazy hoon"
"Main busy hoon"
"Mujhe knowledge nahi hai"
But yeh sab surface excuses hain.
The real reason?
Fear of doing it wrong.
Fear of losing money.
Fear of responsibility.
And you know what? That fear is normal.
Because investing isn't just about money.
It’s about real Human Emotions
It’s about facing the future.
And the future is… unpredictable and scary.
Uncle’s Simple Plan: “Chhoti shuruaat, bada farq.”
I told Bunny the truth.
“Bunny, investing ka darr tabhi jaata hai jab hum perfect result chhod ke, chhote se action pe focus karoge.”
So I gave him a 3-Step “Thoda Thoda Start-up” Plan (TTS Plan):
1. Pick One Reason to Invest
Forget SIP, mutual funds, goals… for a second.
Just ask:
"Main invest kyun karna chahta hoon?"
Bunny said,
“So my future family doesn’t struggle like I did.”
Boom. Emotional connection created.
Now the why is stronger than the fear.
2. Start With regular ₹1000 SIP for Long Term
Not ₹5000. Not ₹50,000.
₹1000.
Bass.
Choose one simple Index fund.
I said:
“₹1000 SIP is like brushing teeth. Small habit, big future.”
3. Forget Returns. Track Consistency.
I told him:
“Bunny, investment ko fridge me rakha hua Paani samajho. Harr minute khol ke mat dekho.
Leave it. Chill hone do.”
Instead, we made a Pact (Zindagi Na Milegi Dobara wala pact nahi):
Every month Bunny would tick off his SIP.
One tick = One chai with Uncle.
Slowly, his fear melted.
Bunny’s Transformation: From ‘What If’ to ‘Let’s Go’
Months later, Bunny walked in smiling.
“Uncle, SIP ka 9th tick aagaya.
Auto-debit laga diya maine..!”
He had become what I call:
An Emotional Well Informed Investor
He was no longer scared of investing.
He was excited about his future.
He even asked:
“Uncle, ab asset allocation seekhna hai.”
I winked.
“Woh toh maine already likha hua hai.
Yeh lo link: Why Asset Allocation Is the Backbone of Good Investing”
Reader = Hero: If Bunny Can, So Can You
Dear reader,
If you’ve ever delayed investing…
If you’ve made an Excel sheet and then ghosted it…
If you feel you’re late to the game…
You’re not alone. You’re just human.
And humans fear the unknown.
But now you know:
Why you’re delaying
How to start
That Bunny did it, and so can you.
Start small. Stay consistent. Grow rich.
Your first SIP is not a financial decision.
It’s an emotional breakthrough.
“Pehla step galat ho sakta hai. Par pehla step lena zaroori hai.”
If this felt like a warm hug with chai, share it with someone who’s still stuck in investing paralysis.
And if you’re starting your ₹1000 SIP today, hit reply and say “STARTED” -
I’ll send you a virtual high-five!
Written with love, wisdom, and one kadak chai by Investing Uncle.
Disclaimer: Mutual fund investments are subject to market risks, read all scheme related documents carefully before investing. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation. This blog/Website is for Educational purpose only. Any reference should not be treated as any form of Financial Advice.
Any person referred to in this post is purely coincidental. The characters, names, and situations mentioned are for illustrative and educational purposes only and are not intended to represent any real individual.
‘Investing Uncle’ is NISM Series V-A Certified (Mutual Fund Distributor’s Certification Examination) conducted by National Institute of Securities Markets (NISM)
Investing Uncle is not SEBI/AMFI Registered.