Gift of Growth: A Promise Made on Children’s Day
A Riverside Promise of Investing
It was Children’s Day, a warm November evening in Prayagraj. The sangam ghats glowed under the setting sun as birds drifted by. Amid the soft lapping of the river, Ritika sat on the steps watching her six-year-old daughter, Meera. Her husband Anil joined them, holding two cups of lassi.
“Look how fast she grows,” Anil said, handing a sip to Ritika. “Just like last Children’s Day she was toddling, and now she’s already in Grade 1.”
Ritika smiled sadly. “And soon she’ll need school fees, college, maybe even a job abroad. I keep thinking how can we give her more than just words of encouragement?”
Anil looked thoughtful. “You’re right. Let’s make a promise today not just to her dreams but to her future. Let’s start something that grows with her.”
Ritika raised a curious eyebrow. “What do you mean?”
“Let’s invest. Not just save. I read that investments over time beat inflation and can build a good corpus for a child’s future.”
Ritika nodded, intrigue lighting her face. “But I’ve always thought investing is too risky.”
Anil smiled. “That’s why we’ll pick smart, long-term plans.”
Planting Seeds for Meera’s Tomorrow
They walked along the ghats, Meera skipping ahead, laughing as she tossed petals. Anil continued, “See how she throws petals into the river, trusting the current carries them away? In investing too, you plant early and let time carry the gain. The earlier we start, the stronger the results.”
Ritika glanced at her daughter and said, “That makes sense. My brother said we can begin even with small amounts for a child’s future.”
“Yes,” said Anil. “For example, if we aim for her higher education, which will be far costlier in 15 years, we could use systematic investments, say monthly, so the growth compounds.
Ritika sighed. “I like that. Small steps, long journey. But how do we balance risk? I don’t want her money to just vanish.”
Anil nodded. “We’ll choose wisely. Mix safer instruments and equities. For very long horizon like Meera’s future, equity can beat inflation. And we’ll review as she grows. This is not a one day gift, it’s a lifelong promise.”
The Real Conversation With Their Child
Back home, Meera jumped into their laps.
Ritika hugged her. “Sweetheart, we’re going to help your money grow so you can chase your dreams.”
Meera’s eyes widened. “Grow money? Like seeds?”
Anil picked up a tiny plant on the table and placed it before Meera. “Exactly like this. We planted this a few days ago. Just like this plant, we’ll plant little bits of money every month in your name. Over years, it can become a tree, so you could do whatever you like with it, study abroad, launch a business, travel.”
Meera nodded seriously, patting the plant. “Okay Dad.”
Ritika added, “We’ll pick good instruments, child focused mutual funds, maybe some long term plans. And we’ll teach you along the way so you understand, not just spend.”
Anil smiled. “True. The benefit is twofold; your money grows, and you learn. You’ll see how a habit of investing, patience, and discipline works just like watering this plant every day. And to make this easier, we can use the Navia All In One App, my dad still uses it. It helps us manage investments, track goals, and keep things simple even as we grow our plans.”
Their Promise Under the Stars
That night, the family sat outside. Stars glittered in the sky. Meera, half tired, rested her head on her mother’s lap.
Ritika held Anil’s hand. “I feel lighter now. We have a direction, not just worry.”
“Yes, we’ll invest steadily, review from time to time, and let Meera’s future bloom.” said Anil.
Meera yawned. Ritika patted her, “Because we started early for you. And one day you’ll thank us for not waiting.”
In the hush of the night, the city slept but their dreams awakened. Just like their little plant outside would grow tall, so would her potential and the investment they started on this Children’s Day would be her quiet companion through life.
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DISCLAIMER: This story is a fictional illustration created for educational purposes. Investment in securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Brokerage will not exceed the SEBI prescribed limit. Full disclaimer: https://bit.ly/naviadisclaimer
