Do Not Disrupt the Cooking
- Kaustubh Kale

- Jul 12
- 2 min read

If you have ever prepared a really good Indian meal, you know the secret. Follow the recipe, respect the process, and give it time. The instructions are there for a reason - the dough needs to rest, the dal needs to simmer, and the biryani needs its full forty minutes on dum. Sure, when it is ready, the dish might be polished off in just ten minutes. But the care you took shows up in the taste.
Investing works the same way
Your financial goals are like a well-thought-out recipe. First, you decide what you are cooking - your end goal, whether it is retirement, children’s higher education, or buying a bigger house. Then you gather the right ingredients - choosing equity, debt, gold, and other investments in the right proportions. You follow the steps - investing systematically, diversifying, and rebalancing when needed. And finally, you let it cook patiently - because the real magic happens when you give it time.
Too often, however, investors forget this. Impatience creeps in. The stock market moves a little and they feel like reacting. A festival or wedding comes up and they are tempted to sell their stocks or redeem mutual funds. Many start treating their investments like an ATM, withdrawing whenever they feel the urge. And just like opening the pressure cooker too soon, the result is undercooked - and disappointing.
We all know about the power of compounding - earning returns on returns. But compounding, like flavours in a slow-cooked dal makhani, needs time to come together. Every premature withdrawal interrupts the process, and those small interruptions can cost you lakhs, sometimes even crores, over the long term.
This does not mean you should never use your money. Just like a good cook keeps some quick snacks or ready-to-eat options handy while the main course is on the stove, you too should maintain a separate emergency fund - a buffer for unexpected needs. Your short-term goals also need to be invested properly through the right asset allocation. That way, you do not touch your long-term investments before they are ready.
The next time you feel tempted to take a bite out of your investments midway, ask yourself - would you serve your guests half-cooked biryani? Would you rush a gulab jamun out of the sugar syrup before it soaks properly? Probably not. You would wait, because you know the best taste comes to those who wait.
So stay the course. Let the recipe work. The reward will be worth it - and you will be glad you waited.
After all, good things - and great wealth - take time to cook.
(The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)





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