credit -https://www.pexels.com/photo/person-holding-a-smartphone-6801874/
Introduction
Subhankor – A Real life Story
Five years ago, I was just a school student, sitting in class and dreaming of financial freedom. I had no job, no income, and not much savings from my pocket money. Then one day, my economics teacher Rajesh Sir said something that changed my life The stock market is not just for the rich. Even students can start investing and build wealth over time.
I was shocked. I thought the stock market was only for big guys with paychecks and millions of dollars. But my teacher explained that anyone can start small and build passive income over time. That conversation piqued my curiosity, and I went home that day determined to learn more. Today, five years later, I hear a notification in my sleep that my investments have made money. I am no longer that confused school student. Through years of learning, experimenting, and making lots of mistakes, I have created multiple streams of passive income from stocks all while completing my education In this blog, I am sharing my entire journey from a curious school student to a real passive income earner from the stock market. If I could start this with just my pocket money and scholarship funds, so can you.
Click to see previous stock related posts :
1. How to build stock market portfolio?
2. Investment Strategies
How It All Started From Classroom to Stock Market
Subhankor – A Real life Story
Let me take you back to where it all began. When I was in 12th grade, preparing for my board exams, my teacher talked about the stock market.
I remember coming home and searching on YouTube for How to invest in the stock market as a student. I spent weeks watching videos, reading blogs and learning the basic concepts. My parents were skeptical as they thought I would lose all my money. But I was determined to try.
The idea of passive income fascinated me. While everyone around me was wasting time with jobs, I wanted my money to work for me. I wanted to create something that would grow even while I was studying, sleeping or eventually working.
What is Passive Income from Stocks? (My Understanding as a Beginner)
Subhankor – A Real life Story
When I first heard the word passive income, I was honestly very confused. Later, after learning it slowly over a few months, I will explain it exactly as I understand it now. Passive income from stocks means earning money from your investments without having to trade every day. You don’t have to watch the charts all the time and buy and sell stocks. Once you invest money in a good company or fund, that investment will gradually start earning income. I learned that there are two main ways to get passive income from stocks. Dividends Many companies distribute a portion of their profits to investors. Capital appreciation The price of your stock increases over time, so you get a profit.
The thing that I then understood most importantly is Compound Growth. That is, if you reinvest your profits instead of spending them, you will not only earn on top of your original investment of ₹8,000, but also on top of that profit of ₹800. My teacher was absolutely right in saying that over time, these small profits add up to a big sum. Indeed, over the years, this compounding effect has turned my small pocket money investments into something much bigger.
What I learned ?
Subhankor – A Real life Story
- My first “safe” stock (ITC) actually didn’t perform well in price, but the dividends kept coming
- I made a mistake chasing a high yield stock (8% dividend). That company cut dividends the next year and I lost money
- Today, my dividend income is around ₹2,800 per quarter not huge, but it covers my mobile recharge and small expenses
My honest take: Dividend stocks are perfect for beginners. They give you regular income which feels rewarding and keeps you motivated.
How I Built My Portfolio as a Student
Subhankor – A Real life Story
Step 1: I learned the basics first
I spent the summer vacation before college watching YouTube videos, reading blogs and understanding the basic concepts stocks, dividends, mutual funds, SIPs, etc. I didn’t invest anything for 2 months, I just learned. This foundation helped me avoid making stupid mistakes.
Step 2: I started very small
My first investment was just ₹5,000 from my tuition fees. I didn’t wait to save a lakh. I started with whatever I had. Many of my friends said “Only ₹5,000? That’s too small!” But starting small helped me learn without taking too much risk.
Step 3: I opened an account with the help of my parents
When I was 17, my father was required as a joint account holder. We opened
Zerodha Demat Account for Stocks
Grow Account for Mutual Funds
Both are free to open and have low fees. I compared several platforms before choosing.
Want to Read Business Related Articles – Business and Marketing
Conclusion
Subhankor – A Real life Story
Five years ago, I was a school student with ₹8,000 saved from tuitions, curious about the stock market after my teacher mentioned it. Today, I have a portfolio worth ₹4.7 lakh generating real passive income. I’m not a genius. I’m not from a rich family. I made plenty of mistakes. But I started early, stayed consistent, and let time do its magic. The biggest advantage we students have? TIME. If you’re reading this as a student or young person, you have something that millionaires would pay crores for you have 30-40 years of compound growth ahead of you.
Frequently Asked Questions (FAQs)
Subhankor – A Real life Story
Q1: I’m still in school. Can I really invest in stocks?
Absolutely I started when I was 17 in class 12. If you’re under 18, you’ll need a parent or guardian as a joint account holder like I did with my father. Once you turn 18, you can open accounts independently. Don’t wait for the perfect time start learning now, even if you invest just ₹500.
Q2: I only earn ₹1,000-2,000 from tuitions. Is it worth investing?
Yes I started investing ₹1,500 monthly from my tuition earnings. That “small” amount is now worth lakhs after 5 years. Even ₹500 monthly adds up significantly over time. Don’t underestimate small beginnings I’m proof they work.
Q3: How much time did you spend on this while studying?
Initially, I spent 1-2 hours daily for about 2 months learning basics during summer vacation. After starting investments, maybe 1-2 hours monthly to review. During exam periods, I spent zero time everything ran automatically through SIPs. It never interfered with my studies.
Disclaimer
Important Notice – This blog shares my personal journey as a student investor. I’m sharing my experiences, mistakes, and learnings. This is NOT professional financial advice. What worked for a school/college student like me may not work for everyone.
