Wealth With Aakarsh

“When will you switch my funds?” It’s a question I hear all the time. Investors are always wondering when to sell, book profits, and buy something different. It’s an idea that feels as old as time (okay, maybe not that old). With individual stocks, it makes sense—you track them, review them, and sometimes, you’ve got to cut your losses. But with mutual funds, it’s a different ball game. Mutual funds aren’t like stocks; they’re more like a well-rounded team of players, each contributing in different ways. As an investor, you can switch things up, but should you? Let’s dig into this question that I get from nearly every client during our reviews: “Should We Switch Now That We’ve Made Returns?” The conversation usually goes like this: “Aakarsh, all is good, but don’t you think we should switch out of this fund now that it’s given us decent returns? What if it stops performing?” Even after more than six years in the industry, this question still gets me. Why? Because it comes from a plac...

We live in the most connected, most informed generation in human history. Any question we have—Google it. Hundreds of videos. Thousands of opinions. A flood of reels, blogs, newsletters, podcasts, expert panels. Yet somehow, we’re still stuck. Not because we don’t know enough… But because we know too much . Information Isn’t the Problem. Overload Is. There was a time when information was power. Today, it’s noise . One video says buy gold. Another screams SIP karona. One reel says the market is crashing, another says it’s a bull run. Experts argue on TV. Friends share “insider tips” on WhatsApp. And amidst all this, you sit there thinking: What should I really do? The result? You do nothing. Or worse, you start something, but drop it when a “better” idea shows up the next day. We’ve Confused Opinions with Wisdom There’s no shortage of gyaan today. But the problem is, we’re collecting opinions like Pokémon cards , hoping that one magical insight will change our life. But insights don’t ...

In India, there’s a cultural mindset that revolves around financial security. We’re conditioned to save for the future—whether it’s for retirement, emergencies, or leaving a legacy for the next generation. While there’s immense value in building wealth, the question remains: what’s the point of accumulating riches if you don’t enjoy the journey? Too often, we see people pass away with significant wealth but little to no memories of a life well-lived. This isn’t about advocating reckless spending—it’s about finding the balance between living fully today and securing tomorrow. The Saving Overload From a young age, we’re taught the importance of saving. It’s drilled into us to stash away money for a rainy day, sometimes at the expense of enjoying the sunshine. This mindset often leads to over-prioritizing wealth accumulation while neglecting the joys of life—simple or grand. While saving is essential, it shouldn’t come at the cost of experiences. Imagine spending decades amassing a fortun...

As we bid farewell to 2024, I want to take a moment to reflect on the journey we’ve shared and look ahead with hope, purpose, and gratitude. This year has been filled with challenges, breakthroughs, and growth, not just in numbers but in the connections we’ve built and the lessons we’ve learned. Through blogs, reels, workshops, and countless conversations, I’ve had the privilege of being part of your  journeys. Watching so many of you take steps toward financial independence—whether starting your first SIP, securing your family’s future, or achieving long-awaited goals—has been incredibly rewarding. This year also reminded us that life isn’t just about building wealth; it’s also about living fully, finding balance, and creating meaning in everything we do. With that in mind, let’s carry some important lessons into 2025: Living a Richer Life in Every Sense 💡  Invest to build Wealth but also Invest in Experiences: Money is a tool to live the life you want. While building wealth...

  Why Long-Term Investing is the Real Secret to Wealth Creation Let’s be honest—when it comes to investing, most of us want quick returns. Who doesn’t love the idea of doubling their money overnight, right? But here’s the truth: the real magic of investing lies in patience, consistency, and making informed decisions over the long term. The recent FundsIndia report offers valuable insights that reinforce the importance of staying invested for long-term wealth creation. Whether you’re a novice investor or a seasoned professional, this report highlights key strategies and lessons that can guide you toward smarter, more informed investment decisions. Let’s explore its findings in detail. Equity: The Star Performer Over Time If you’ve ever wondered why everyone talks about equities, here’s a stat that is going to blow your mind: Indian equities have delivered an average return of 15% over the last 20 years, multiplying wealth 17 times. Think about that for a second. If you’d invested ₹1...