If you want to get good returns, you have multiple investment options, and you don’t need to do something out of the box for it. However, if you want to create wealth, the only option, backed by historical data, is stock investing. So, if you are in your 30s or even in your 20s and looking to create wealth, you need to plan your strategies and execute them well. In this article, we discuss ways to make money through stock market investing in the 30s. Let us get started.
Ways to Build Wealth Through Stock Investing
Here are some of the ways to build wealth:
Start with a clear goal
You want to create wealth, but how much? You need to define your goals clearly and be specific for each of them. If you want wealth by the time you retire – you need to know when you will retire and what you exactly mean by wealth. So, your goal should be – you want Rs 5 crore by the time you turn 60.
You can only achieve this when you are in your early 30s since you start earning well by this time and have enough time to let compounding do its magic.
Understand the Power of Compounding
In the previous point, we mentioned that you need to give your investment time. Most people don’t understand the magic of compounding. Hence they don’t take investing seriously in their 30s. Even if you find multibagger stocks, you need to give them time.
The earlier you start, the more wealth you will create. Let us give you some numbers to help you understand the magic. If you invest Rs 20,000 monthly at an average annual return of 12%, you will accumulate approximately Rs 2.3 crore in 20 years. But if you remain invested for 10 more years, you will have Rs 7 crore in 30 years. In other words, in the first 20 years, you get only 2.3 crore, but in the last 10 years, more than 4.5 crore, and this can only happen if you start in your 30s.
Diversify Your Portfolio
Stock investing is not like a lottery ticket where your goal is to win the winning lottery and create a fortune. To create wealth through stock investing, you need to have a diversified portfolio. You should invest in different stocks across markets, sectors, and geographies. Unfortunately, most people in their 30s are unable to create a diversified portfolio. We are in 2025, and AI is helping people in ways no one imagined a decade back. Today, AI stock management is a reality, so you can use AI for stock investing and create wealth in the long run.
Leverage SIPs for Consistent Investment
Wealth cannot be created overnight or by making a one-time investment. You need to build it over time. Most people think Systematic Investment Plans (SIPs) are only for mutual funds but you can also do SIP in stocks and create wealth even with a small amount. SIPs help you benefit from rupee-cost averaging and reduce the impact of market volatility. For example, if you invest Rs 25,000 monthly in the basket of stocks with a 12% annual return, you will have Rs 4.75 crore in 25 years.
Avoid Emotional Investing
Most investors are unable to create wealth because they cannot avoid emotional investing. Market fluctuations can trigger emotional decisions, leading to losses. Investors have to maintain a long-term perspective and avoid panic-selling during a volatile or down market. Corrections are a normal part of market cycles and offer excellent buying opportunities. We have seen that most investors are unable to avoid emotional investing. Hence, we built Jarvis Invest, which recommends your stock based on 1.2 million data pointers. By using Jarvis AI, you can avoid emotional investing.
Why is starting in the 30s crucial for wealth creation?
We have already answered this above, but let us compare the journey of two investors to make it more impactful. Consider Sachin, a 30-year-old investor who starts with a Rs 40,000 monthly investment in a diversified equity portfolio with a 12% annual return:
- By age 40: Investment grows to Rs 93 lakh.
- By age 50: The corpus reaches Rs 4 crore.
- By age 60: Sachin amasses Rs 14.12 crore.
Now compare this to Virat, who starts investing at 40:
- By age 50: Investment grows to Rs 94 lakh.
- By age 60: The corpus reaches only Rs 4 crore, despite investing the same amount monthly.
Before you go,
If wealth creation is your goal, your start date is TODAY. Your 30s offer a unique window to build wealth through disciplined stock market investing. By starting early, diversifying, and using an AI-based Stock Advisory platform like Jarvis Invest, you can secure a financially free future. Remember, the key is consistency and patience. Happy investing!