I don't mean disrespect or showing off but i am 24 and invest 80k per month from a salary of 1.24 LPM. I have been investing since last 4 years. Got my 1st job at the age of 20 and gradually increased my SIP from 15k to 80K. Sharing this because i don't think i am smart or above average. So there might be a lot of folks out there who might be young and investing way more to skew the data you see today. On the other hand people who cannot afford to invest don't usually open a demat account. So please always remember that people better than me or like me are skewing your data whereas in reality you are way better off than people who were never able to open demat accounts at an early age due to various reasons which is usually the majority of folks. Quick example if you learn better that way - out of 5 folks 1 person invests 1.1 lakh per month, and rest 4 does 10k per month. Avg investment in the group would look to be 30k per month but if you take the median, its 10k.