Systematic Investment Plan is regarded as user friendly especially to medium or low income people. They can contribute to a formal mutual fund like LIC, UTI or ICICI prudential fund. The longer the period the longer the benefit. Albert Einstein called the power of compounding as the eighth wonder of the world. Those who understands it will earn money and those who ignore this magic, they will suffer in future. The present study is descriptive one. The data has been collected from secondary sources like text books, magazines, newspapers, you tubers etc. The main findings of the study are The Systematic Investment Plans are offered by mutual funds such as LIC, UTI and commercial banks and post offices. So, it is very easy to investors to reach out the branch, The fund manager in the mutual fund will pool the small savings of poor people and invest in the diversified portfolio of investments such as gold, shares, currency, real estate etc. Financial education is the essential education to think alternatively. One case study of Eicher Motros demonstrates that buying shares is a wise decision instead of buying liability – bike. Movement to movement, an individual has to think rationally that is it this expenditure falls under need, want or waste. It is finally concluded that financial education is available at free of cost to all Indians but Indians must have passion to learn and earn money.