Month: April 2025

Making more money doesn’t mean you’re winning.

Managing it well is the real deal.💼✨

You could be earning ₹1.5L and still counting pennies by the 20th…
Meanwhile, someone earning ₹80K is investing, saving, and sleeping stress-free. 😌📊

It’s not about how much you make,
It’s about what you do with it.

Here’s where people go wrong:

• Daily latte = monthly dent ☕💸
• EMIs that chain you down 🔗
• Credit card perks? Fun, not wealth 💳
• SIPs? Quietly building your future 📈

Want financial peace?
It starts with smarter choices, not fatter paychecks.

In today’s world, wealth isn’t about income—
It’s about intention.

You are a working professional making a decent living out of your job. Your investing methods should also make money for you have so that you have a passive income through them.

𝐈𝐍𝐕𝐄𝐒𝐓 𝐈𝐓 𝐖𝐈𝐒𝐄𝐋𝐘 𝐀𝐒 𝐏𝐄𝐑 𝐓𝐇𝐄 𝐂𝐔𝐑𝐑𝐄𝐍𝐓 𝐀𝐒𝐒𝐄𝐓 𝐀𝐋𝐋𝐎𝐂𝐀𝐓𝐈𝐎𝐍 𝐒𝐄𝐍𝐀𝐑𝐈𝐎

𝐋𝐞𝐭’𝐬 𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝: Various asset class and their participation in your overall portfolio. So lets say you have Rs 1000/- invested.
🎗️ Savings Account / FD (5%, Rs. 50/-)
🎗️ Mutual Funds (25%, Rs. 250/-)
🎗️ Equities / Stocks (10%, Rs. 200/-)
🎗️ Real estate (35%, Rs. 350/-)
🎗️ Govt. Schemes NPS, PPF, Sukanya (5%, Rs. 50/-)
🎗️ Bonds (5%, Rs. 50/-)
🎗️ Metals (10%, Rs. 100/-)
🎗️ Liquid Funds (5%, Rs. 50/-)

𝐏𝐨𝐢𝐧𝐭𝐬 𝐭𝐨 𝐩𝐨𝐧𝐝𝐞𝐫
👉 Don’t get confused if your investments don’t match the above.

👉This is a final dispersion of the wealth that you have created, if you are in the process, this can be used as a benchmark.

👉 Other that the savings and the liquid funds all other categories can have a (+-) deviation of 5%.

👉 If the equity markets are down you don’t have to worry, Your money is well diversified to counter it.