Not sure how much to invest?

Person A invests about 1 Lakh per month and is very happy about it, while Person B could invest only about 25k per month.

Both of them invest in proportion to their income.

Person A can reach his goal earlier than Person B could. Right? Wrong.

This information is just not enough to determine if sufficient investments are being made by each.

Person A is looking to send his children abroad for their higher education and planning to retire in his early 50s so he can travel the work while he can.

Person B is very confident that his children will get scholarships to good colleges in India. His pension would suffice most of his post retirement needs.

Person A is ambitious and his goals demand higher investments. Whereas, Person B’s goals are basic and hence his need for investment is also less.

Basically, investments should be in proportion to each’s goals rather than just their income.