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How To Guide

How To Invest In Your 30s: What To Do And What Not To Do?

Investing in your 30s? Read this guide to know how you should start investing in your 30s, things to remember, mistakes to avoid, suitable investment options, and the best way to start investing.
May 14, 2021

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You’ve probably heard countless friends, family, new analysts, and financial experts say that investing is as important as buying groceries or doing your own taxes. 

If you regret not investing in your 20s when you had fewer liabilities and more time to invest aggressively. We get it. But we’ve got news for you. Two pieces of news, actually.  

The bad news is you can’t jump into the DeLorean, go back in time and invest in Visa or Facebook IPOs. However, the good news is that it’s never too late to start investing!

Investing in your 30s is crucial and in this blog, we’ll see why that’s true. We’ll also explore pointers to remember, common mistakes to avoid, and some of the best assets you can buy in your 30s. 

The Financial Situation Of A 30-Year-Old

A one size fits all approach would definitely not work for any age group. However, data suggests that the average age of marriage in India is ~24 years. 

Keeping in line with the data, it’s relatively safe to assume that most people in their 30s would have accumulated a fair share of familial responsibilities, home loans, school fees, maintenance bills, etc or are on their way to. 

Investors who are beginning their financial journey in their 30s may not be able to invest as aggressively as someone in their 20s due to the aforementioned liabilities and responsibilities. But you will probably have access to more capital than they did in their 20s.

Whether you’re starting investing in your 30s or just readjusting for your 30s the good thing is you are far away from retirement and have a fair bit working for you:

  • Visibility on liabilities and responsibilities
  • More income and access to capital than 20-year-olds
  • More time to earn and invest before retirement

Thus, the profile of someone investing in their 30s would look like this:

Risk (along the X-axis): Low; Medium; High. Time (along the Y-axis): Short; Medium; Long. 

The Investor Profile Of A 30-Year-Old Explained

1. Short Term

A 30-year-old would need access to capital for emergencies and short term expenses. Thus, they can invest in low and medium-risk investments like liquid funds and P2P lending or Asset leasing. 

Investing in high-risk investments for the short term is like driving a Mercedes E Class in a ravine. The risks are too high, the car might break down or worse, it can even drown.  

2. Medium Term 

A timeframe of 3-5 years is generally referred to as the medium-term. The expenses during this period may comprise education fees, a new car, a family trip to Europe, etc. 

Thus, a 30-year-old can invest in medium-risk investments like large-cap mutual funds and stocks, ELSS funds, FDs, NSCs, digital gold, and alternative investments. 

3. Long Term

30-year-olds can afford to invest in high-risk investments since they are intended for 5+ years. Moreover, someone in their 30s has as much as 25-30 years to invest before retiring. 

The investments in this category can include US stocks, Indian stocks, ELSS funds, international mutual funds, NPS, PPF, etc. 

The 9 Box Model you see above is effective because it allows you to invest based on your risk profile and investment goals. Read this to more about how Cube’s 9 Box Model works 

Fun fact: The legendary Warren Buffet himself became a millionaire in his 30s. 

Things To Remember Before You Start Investing In Your 30s

1. Stick To A Budget

A 20-year-old with fewer responsibilities can afford to be flexible with their budget. At 30, however, you must stick to a strict budget in order to pay the bills, enjoy dinners/trips, and create wealth.

Following the 50-30-20 rule of budgeting can be useful. If you want to know more about saving money from your salary effectively, read Cube’s in-depth guide

2. Start Investing

No point procrastinating or feeling bad that you didn’t start investing sooner. You still have time to build a significant corpus that can help you achieve financial freedom. 

Thus, it is important to begin now. However, it’s understandable to not know where to start. After all, there’s way too much information (noise) and an overwhelming amount of data to look at. 

No reason to panic - you can download the Cube Wealth app and take the risk quiz to understand which investments suit your financial goals and risk profile.  

3. Build A Perfect Portfolio 

A perfect portfolio can help you sleep better at night since you’ll have enough diversification and assets to overcome market-based and economic volatility. 

Furthermore, it’ll help you plan your investments for various life events, both expected and unexpected. Cube’s perfect portfolio feature helps you invest in quality investments with reliable advice from experts. 

Download Cube To Build A Perfect Portfolio

Investing Mistakes To Avoid In Your 30s

1. Buying Quantity Over Quality

As a beginner, it’s natural to fall into the trap of investing in a ton of penny stocks or following an imprudent version of contrarian investing. The downside is that you may lose money due to bad decisions.

If you have a family, hopes, and dreams, then you can’t afford to lose money due to ill-informed, surface-level financial decisions. Investing in quality instead will help you build a stable and reliable portfolio. 

Examples of quality investments include a stock that has a history of delivering consistent returns and dividends for over 10 to 20 years; mutual funds that have consistently outperformed the benchmark, etc.

That’s the exact type of investments that Cube Wealth gives you access to. The Cube philosophy is rooted in quality based investment for the long term. Download Cube For Free to know more.

2. Not Having An Advisor

Your friends or colleagues may not be the best financial advisors. They are retail investors who might rely on popular opinion and newspapers to get their financial knowledge. 

Furthermore, your portfolio isn’t just a bunch of assets and numbers pooled together. It’s directly intertwined with your investment goals, future plans, and emergency scenarios. 

A trusted financial advisor can help you invest in assets that are suitable to your investment goals and risk profile. This can allow you to put your money to work for the short to long term. 

Reliable financial advisors like Wealth First and RIA, Rick Holbrook on the Cube Wealth app are market specialists since they’ve been advisors long before Elon Musk sold his first company. 

Explore Expert Advice On Cube Wealth

3. Not Diversifying 

Diversification is essential while building wealth in your 30s. The benefits of diversification are twofold. On one hand, it helps you reap the rewards of multiple assets across categories.

On the other hand, diversification is vital to reduce risk. The Cube Wealth app helps you diversify across categories and within investments as well. Take Me To The App

What Assets To Invest In During Your 30s?

1. Mutual Funds

Cube gives you access to the best mutual funds in India that are handpicked by Wealth First, Cube’s mutual fund advisory partner that has a track record of beating the market by ~50% over the last decade. 

A. Liquid Funds 

Liquid funds are one of the best mutual funds for 30-year-olds because they are suitable for the short term. Furthermore, liquid mutual funds generate predictable returns with high liquidity. 

Liquid funds are thus useful to create an emergency bucket that you can dip into whenever you need to. It’s better than letting your money rot in a bank savings account with 3% interest at the most. 

Cube gives you access to a unique feature called “Cube ATM” that allows you to instantly withdraw money to your bank a/c from your Nippon India Liquid Fund investment. Get Cube ATM Now

Liquid Funds Highlights

  • Returns: 4-6%
  • Risk: Low
  • Liquidity: High (3 business days)
  • Minimum investment amount: ₹500
  • Unique Cube Feature: Cube ATM (instant withdrawal)

Discover Top Liquid Funds

B. Debt Funds

Investing in debt funds is one of the best ways to build wealth in your 30s for the short to medium term. They are low-risk investments that generate better returns than traditional options like FDs.

The best debt funds on Cube Wealth offer better liquidity compared to FDs as well. Debt funds are thus suitable for short to medium-term expenses like school fees, remodelling, renovations, etc. 

Debt Funds Highlights

  • Returns: 6-8%
  • Risk: Low
  • Liquidity: Moderately high (3-5 business days)
  • Minimum investment amount: ₹5000
  • Unique Cube Feature: SuperSIP

Explore Best Debt Funds

C. Large-Cap Funds

Large-cap funds are medium-risk investments that are suitable for the medium to long term. They are known to be safer than mid-cap and small-cap funds because they invest in large-cap stocks. 

Shares of companies that have a market cap of more than ₹20,000 crores. They are generally legacy companies that have a solid track record and history of generating consistent growth and returns. 

Large-cap funds can be suitable for medium to long term goals like buying a new car, an elaborate vacation, building a corpus for your child’s foreign education, etc. 

Large-Cap Funds Highlights

  • Returns: 9-12%
  • Risk: Medium
  • Liquidity: Moderately high (3-5 business days)
  • Minimum investment amount: ₹1000
  • Unique Cube Feature: SuperSIP

Start Large-Cap SIP

D. ELSS Funds

Equity Linked Savings Scheme (ELSS) funds are tax-saving investments under Section 80C that are also adept at generating lucrative returns over the medium to long term. 

ELSS funds can help you save up to ₹46,800 in taxes and are known to generate better returns than several other 80C investments returns by investing in the Indian share market. 

Thus, ELSS funds are useful for medium to long term goals since you can hold the funds beyond their lock-in period of 3 years.

ELSS Funds Highlights

  • Returns: 12-15%
  • Risk: Medium
  • Lock-in: 3 years
  • Minimum investment amount: ₹500
  • Unique Cube Feature: SuperSIP 

Invest In Best Tax Saving Funds 

E. International Funds

International mutual funds invest in stocks of popular global companies like Tesla, Amazon, Apple, Facebook, Netflix, Google, Microsoft, and more. 

International Funds allow you to benefit from the growth of these foreign companies and you don’t even have to pay tax in the country of their origin. 

However, International Funds are suitable for the long term as they may experience volatility in the short term. They are ideal for long term goals like buying a house, financial freedom, early retirement, etc. 

International Funds Highlights

  • Returns: 15-18%
  • Risk: High
  • Minimum investment amount: ₹1000
  • Unique Cube Feature: SuperSIP 

Start Investing Now

2. US Stocks

Buying US stocks is one of the best investments to make in your 30s as it allows you to grow wealth and build a corpus in USD, the strongest currency in the world that is known to rarely lose value.  

Furthermore, the US is the hub of innovation driven by small, medium, and large companies across industries like technology, finance, services, aviation, and more.

US stocks are suitable for the long term as shares, in general, are long term investments ideal for goals like sending your child to the US for higher studies, buying real estate property, and more. 

The benefits are clear but investing in US stocks wasn’t always easy. However, apps like Cube Wealth allow you to swiftly invest in 3000+ US stocks for as low as $1 with expert advice from RIA, Rick Holbrook

US Stocks Highlights

  • Returns: 10-16%
  • Risk: High
  • Liquidity: Moderately low
  • Minimum investment amount: $1
  • Unique Cube Feature: DIY/Advisory

Buy US Stocks For $1

3. Alternative Investments 

Alternative investments are non-market linked assets that allow you to diversify your portfolio. 

A. P2P Lending

Peer to Peer lending allows you to lend directly to thoroughly vetted borrowers and earn passive income. It allows the lenders to gain a higher share of the interest by negating the need for a middleman.  

Cube gives you access to P2P lending by Faircent, one of India’s oldest RBI Certified P2P NBFCs. Faircent thoroughly vets every borrower on the platform. 

This ensures that you only lend to individuals with a CIBIL score of 768 or higher. Moreover, Faircent has been generating returns that are approximately 3x better than a bank savings account or FD. 



Minimum Investment Amount

6 months



12 months



Explore P2P Lending Now

B. Consumer Loans Via Merchants

Consumer loans via Merchants by LiquiLoans allows you to lend to high creditworthy borrowers who want the flexibility of EMIs for healthcare and education with brands like Dr Batra and Mahesh Tutorials. 

LiquiLoans, Cube’s P2P lending partner, is an RBI Certified P2P Lending platform that has been generating better returns than most traditional investments options. It is suitable for the short to medium term. 



Minimum Amount




3 months



6 months



12 months



24 months



36 months



Download Cube To Invest

C. Asset Leasing By Grip

Asset leasing by GRIP allows you to co-invest in physical assets like cars, furniture, and equipment that’s leased to creditworthy organizations. 

Asset leasing by GRIP allows you to earn a passive income with recurring monthly payments. Furthermore, GRIP has been generating 12% post-tax returns historically.



Minimum Investment Amount

25 months



37 months



Explore GRIP With Cube

4. Digital Gold

The classic gold investment is riddled with concerns related to storage and theft. However, there’s another option. Digital Gold by Safegold on the Cube Wealth app. 

Digital gold gives you the same benefits as physical gold but does not carry the same concerns. Furthermore, Digital Gold by Safegold allows you to convert your digital investment into gold bars as well.

Gold, in general, is a medium to long term investment that is known to be used as a hedge against volatility. 

Digital Gold Highlights

  • Returns: 5-7%
  • Risk: Medium
  • Minimum investment amount: ₹1000
  • Unique Cube Feature: SuperSIP 

Invest Now

5. National Pension Scheme (NPS)

The National Pension Scheme (NPS) allows you to build a retirement corpus with investments in market-linked and fixed income securities. NPS has a lock-in that extends till you retire. 

NPS Highlights

  • Returns: 8-10%
  • Risk: Medium
  • Minimum investment amount: ₹1000 per year

However, building a perfect portfolio can help you set up a corpus for retirement as well. It allows you to diversify your investments across assets and categories to generate significantly better returns than NPS.

Read this blog to know more about building a perfect portfolio

How To Start Investing In Your 30s?

Investing in your 30s can be hard but a reliable app like Cube Wealth can help you get started the right way. Cube gives you access to top-notch investment advice from trusted advisors. 

Furthermore, you can take a risk quiz on Cube to understand your risk profile and get suitable investment options from the likes of mutual funds, US stocks, digital gold, and alternative assets. 

There are options like SuperSIP that help you snooze, toggle, or skip SIP payments while Cube Wealth Coaches are always available for a chat about what can make your money work for you. 

The Cube model of investing is rooted in the philosophy that building a perfect portfolio is the best all-weather investment approach. 

Download Cube Wealth now to get started with the best mutual funds, US stocks, and alternative investments.

Watch this video to learn why you should invest using Cube Wealth

Priya Bansal
Curious about personal finance and all things money. Can either find me reading a book or dancing to a tune.

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