The Joy of Slow Compounding
The unseen power of staying consistent through every market mood.
Hello and welcome back to The Finance Lens!
Sundays always feel like a pause button. The markets are sleeping, the usual chaos takes a break, and for once, nobody is forwarding “top 3 stocks for Monday” on WhatsApp.
And in that quiet space, I often find myself thinking about how wealth is actually built. Not during the crazy bull rallies, not when everyone is feeling like the next Rakesh Jhunjhunwala… but on simple, uneventful days like today.
Honestly, most of compounding looks very boring when you are living it.
But later, when you look back, you realise those tiny decisions were quietly changing everything.
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Slow Compounding Is not Exciting — And That’s Exactly Why It Works
If you have ever run a SIP, you know the feeling. Most months feel… meh. Nothing special. You invest, you forget, you move on.
Years ago, I remember starting a small SIP after a friend insisted, “Just start now, even if it is small.”
Back then, ₹2,000 a month looked like nothing. I used to think, Yeh kya badlega?
But I kept going simply because stopping felt like more effort than continuing.
And today, that same “small SIP” has grown into something I actually respect.
Not because I was smart, but because I was too lazy to stop.
That is how compounding plays its game.
Quietly.
Steadily.
Zero drama.
Downturns: The Strange Times When Money Actually Grows Faster
I know it sounds weird.
But the best months for compounding are usually the worst months for your mood.
If you talk to SIP investors who stuck through all the dips, the 2020 crash, the 2022 correction, the inflated Fed-fear months, they will all tell you the same thing:
They did not feel like geniuses at the time.
They just kept going.
One of my cousins, who is not even into finance, did not stop her SIP during the 2020 crash simply because she forgot the password to her mutual fund account.
Three years later, she laughs every time she checks the chart.
That is compounding.
It rewards consistency even when the consistency is not intentional.
The Sunday Investor Mindset
Sundays remind us that doing nothing is also a valid strategy.
Markets are shut, but your wealth is still quietly at work.
You do not need a high-voltage new stock idea every week.
You do not need to track FIIs like they are long-lost relatives.
You do not need to sell everything just because someone tweeted, “Crash coming!”
Most wealth is built by people who:
Made a simple plan
Stuck to it even when it felt boring
Ignored the noise most days
And gave compounding enough breathing space
Whenever I have messed up in the markets, it is usually because I did too much, not too little.
The Strange Joy of Slow Growth
There comes a day, usually many years in, when you suddenly see the curve bending upward.
And it hits you: Oh… so this is what all those boring months were building.
It feels almost unfair how compounding works behind your back.
Slow compounding gives you a kind of quiet confidence: Your money is growing even when you are living your life, going to work, having tea, or scrolling Instagram at midnight.
It is not flashy, but it is extremely comforting.
Before a New Market Week Begins…
If you are reading this on a Sunday, just take a moment and breathe.
There is nothing you have to do today.
And ironically, that is exactly what long-term investing requires.
Your best financial decisions would not happen on big news days.
They usually happen on peaceful, ordinary days — days when you decide to stay consistent, stay patient, and let your investments do their quiet magic.
Slow compounding may not impress you today… but your future self will look back and smile at how these “boring Sundays” changed everything.
💚 See you next Sunday for Slow Money Sundays — because wealth grows best in silence.
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boring and unsexy, but it works!
It reminds me what the founder of
Nalanda Capital - Pulak Prasad, says in his
Book - What I Learned about Investing from Darwin.
"Don't be Lazy - Be Very Lazy" (Means they buy rarely and sell even more rarely).