Wealth With Aakarsh

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...

How to Look at Mutual Fund Past Performance Without Getting Confused? When it comes to investing in mutual funds, the first thing most people check is the fund’s past performance. While it’s a useful starting point, focusing only on returns can lead to confusion. The reality is, past performance isn’t the only thing that should guide your decision. Let’s break down how to look at a mutual fund’s past performance and what else you need to keep in mind before investing. Past Performance Is Not the Whole Picture The big disclaimer here: past performance doesn’t guarantee future returns. Markets change, and what worked yesterday might not work tomorrow. That said, past performance is still helpful for understanding how a fund has handled different market situations, like ups and downs. How to Read Past Performance Simply Instead of focusing just on how much a fund has made, here’s what you should check: 1. How Did the Fund Perform in Good and Bad Markets? You don’t want a fund that only p...

Let’s be honest—no one really loves talking about creating a will. It’s one of those topics that we tend to put off, thinking, “I’ll get to it later.” But here’s the thing: later doesn’t always come. And when it doesn’t, the people who mean the most to us are often the ones left dealing with the mess. So, let’s dive into why creating a will is one of the smartest, most loving things you can do for yourself and your loved ones. Don’t worry—it’s not as daunting as it sounds! What’s a Will Anyway? (Spoiler: It’s Not Just for the HNIs!) When you hear “will,” you might picture a wealthy billionaire dividing up their fortune. But here’s the reality—if you own anything at all (yes, even that savings account or your prized cricket memorabilia), a will is for you. It’s your way of saying, “This is what happens to my stuff, and this is who takes care of my loved ones” if you’re not around to say it yourself. Think of a will as your personal blueprint. Without it, you leave the state to decide wh...

When it comes to investing, many people chase after the next big thing—the highest returns, the hottest stock, or the best mutual fund. However, successful investing is about much more than that. It's about managing distractions, focusing on what works for you, making disciplined decisions aligned with your personal goals, and smart diversification. Ultimately, investing is a long-term journey of growing and preserving your wealth for the future. Whether you're new to investing or looking to fine-tune your strategy, these insights will help you achieve better financial outcomes. Tune Out the Noise in the Market The media bombards us daily with stock tips, predictions, and endless expert opinions. Headlines scream, "Top Stocks to Watch" or "Where the Market is Headed Next," making it easy to feel overwhelmed or start second-guessing your decisions. You might think: "These experts know more than me." "Maybe I should change my portfolio based on ...

I f you’ve been scrolling through social media recently, you’ve probably come across multiple posts raving about the benefits of SWP or Systematic Withdrawal Plans. It’s suddenly the talk of the town. But SWP is not new. It’s been around for quite a while, helping investors manage their finances with a steady stream of income. So, let’s cut through the hype and understand what SWP actually is, who should consider it, and whether or not it qualifies as an “investment.” How Does SWP Work? At its core, SWP allows you to withdraw a fixed or variable amount of money from your mutual fund investments at regular intervals—monthly, quarterly, annually—whichever suits your needs. It’s like getting a paycheck from your own investments. Let’s look at an example: Say you’ve invested ₹10 lakhs in a mutual fund, and you decide to set up an SWP that withdraws ₹10,000 every month. Over time, this withdrawal will be funded by both the returns generated from your investment and your capital itself. The...