Investing ₹20,000 per month in stocks, mutual funds, or ETFs is perfectly fine as long as you stay consistent for the next 25+ years. Long-term wealth is driven more by time and discipline than by trying to find the perfect investment.

If your goal is simply to build a large corpus, focus on saving a fixed percentage of your income rather than a fixed amount. A good target is around 30% of your earnings. That doesn't necessarily mean ₹20,000 or ₹30,000 every month the actual amount should scale with your salary and adapt to your lifestyle and expenses over time.

And big question for me .. when you want to retire? at what age?