The ₹100 Formula to Build Wealth like HNIs ft. Kirttan Shah

Описание: This episode was recorded on 13th May, 2026.

Chapters:
00:00 - Podcast Highlights & Introduction
01:08 - Kirttan’s Journey: From Engineering Drop-out to Finance Expert
03:00 - The BIGGEST Investing Myth: Why Returns Don't Matter as Much as You Think
06:46 - The "₹100 Rule" to Manage Salary, EMIs & Savings
11:52 - Market Crash? Here is Why You Should NEVER Stop Your SIPs
15:17 - The Perfect Portfolio Strategy: How to split your money (Global, Gold & India)
22:00 - The Secret to Large Cap, Mid Cap & Small Cap Mutual Funds
26:39 - The Best Way to Buy Gold (Physical vs. Digital vs. Sovereign/ETF)
29:39 - Step-by-step Guide to Building Your First ₹1 Crore
32:42 - The Harsh Truth: Why FDs are a "Guaranteed Loss"
39:07 - Smart Alternatives to FDs (PPF, Small Finance Banks, Debt Funds)
40:54 - How to Pick the Best Mutual Funds (3 Green Flags & Red Flags)
45:19 - Starting Late in Your 30s? Here is What You Need to Do
46:01 - Why Beginners Should AVOID Direct Stocks
47:11 - Kirttan’s Worst Mistakes: Kingfisher Airlines & F&O Bankruptcy
51:47 - Top 2 Investment Themes for the Next 10 Years (Electrification & Banking)
54:35 - Kirttan’s #1 Advice to His Younger Self

Is Fixed Deposit (FD) really safe, or is it a guaranteed loss? How should you split your salary between EMIs, expenses, and savings?

In this episode of Moneytalks by Groww, host Neha Singh Rajput sits down with veteran financial expert Kirttan Shah for a no-nonsense masterclass on personal finance and wealth creation. Kirttan breaks down the harsh realities of inflation, the exact ₹100 asset allocation strategy (Gold, US Equities, and Domestic Mutual Funds) for aggressive investors, and reveals the absolute biggest mistakes beginners make—including his own harrowing experience of going bankrupt in F&O and losing money in Kingfisher Airlines.

Whether you are in your early 20s or starting late in your 30s, this podcast is packed with actionable advice to help you build your first ₹1 Crore and achieve financial freedom!

Disclaimer: Investment in securities markets is subject to market risks. Read all the related documents carefully before investing. Please read the risk disclosure documents carefully before investing in Equity Shares, Derivatives, Mutual Funds, and other instruments traded on the stock exchanges. This video is for educational purposes only and does not constitute financial advice.

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