10 MONEY RULES for 2025! | Manage Money During a Market Crash | Ankur Warikoo Hindi

"And in this game, if you play 2025 the same way you played 2024, you're sure to lose."

"When your local drivers start giving you stock tips, when The people who serve you tea and coffee said, 'Brother, I have earned such returns by trading that it is like blind money. You know something is going to explode. It has become too late.' This was the case in 2024."

"You should take only that risk which is right according to your age and your financial condition. It is not that you should invest all your money. Putting it in small caps doesn't mean putting all your money in large caps. It's a combination. It's also not that putting all your money in the stock market. We have different assets that give you stability and predictability. Balance your risk portfolio."

"When your money falls very badly, please don't let it fall further. Implement a stop-loss concept: beyond this loss, I don't want to take any more losses, I can't take any more losses, and you will cut your losses and get out of it."

"Friend, if someone had this predictability, they would already be millionaires, right? There's no need to explain this. This is something you will only learn over the long term. Only then can you truly understand the stock market. You can earn money when you have a long-term approach."

"The 100-x rule. If x is your age, suppose 25 or 30 years, then you should invest 100-x in the stock market. So, if you are 30 years old, then invest 70% of your money in the stock market, but keep the remaining 30% in stable assets."

"The only objective of investing is to beat inflation. If your money is not earning a return at 12, then your money is getting frozen."

"The government says that inflation is at 5 to 6, but if you are watching this video on a smartphone, with a 5G connection or WiFi connection, then your inflation is at 8 or 10, because the 56 is for the country, in which the price of grains and food is at 60-70, and our spends are not the same. We spend a lot on entertainment, we spend a lot on eating out, we spend a lot on vacations, how much do we spend on petrol, then our inflation is definitely higher than the country's inflation."

"My personal goal for most people, for example, is that my money should grow at around 16 to 18 per cent. Right now it has grown like crazy. Last year, my portfolio, in the video that I made, I showed it, grew at around 45 per cent and I know that is not sustainable, I know it is going to come down, just at the beginning of this year. My portfolio has gone down to around 15-18"

"My target is 16 to 18 which means that my money will double in around 4-45 years and I know that I have a horizon of 20 years, which is hopefully a horizon, in that horizon my money can grow eight to 16 times, which is why I am more than happy for 2025."

"Multiple income streams are necessary. If you are an employee, please think about a side gig, you could be freelance around a talent and hobby that you have, it could be content writing, video editing, song writing, graphic designing, photography, music, dance teaching."

"out of your first Rs 10 lakh that you save, you should invest at least 70%. What you have to do is this, out of your first Rs 10 lakh that you save, invest at least 70% of that Rs."

"What traders do? I don't care if the business is good or not. I don't care if its revenue has increased or not. I don't care if it is making a profit or not. Whether the price is going up or down or not. I will speculate on it and make money. What an investor says is that this business What good is the business I'm buying? How has its growth been? How is its management team?"

"If you're buying a mutual fund, you're not trading; you can just buy any one. We'll just ask, what is its expense ratio? What is its last 5-year performance? How is its asset management? What is the fund manager's history? What is its exit load? You will invest only after evaluating everything because it's your money."

"Whenever the market is down, that is actually the best time to invest because the market is down. It is a great opportunity that you will get attractive companies at the right pricing."

"The 5 per cut rule says that whatever your monthly expenses are, reduce them by 5 percent. Just subtract 5 percent from 5 percent and start investing whatever amount is left."

"money is useful only when it is liquid. Liquid money means money that you can bring to yourself at your command at any time."

"what is the biggest drawback of investing in startups? Of course, the risk is at a very different level because your money either becomes very high or It becomes zero, there is no middle ground, but a bigger problem is liquidity. If you have invested 000 rupees in a startup and you need it for some reason, then you cannot get your ₹ back as per your wish."

"As much as you work for money, you should also work for equity. Equity is your multiplier. If you get a raise in your company or get an opportunity to buy shares of that company, please exercise that."

"If you get a chance to buy a stock in a publicly listed company, it may not be. At zero, but it may be at a discount price and you believe in that company, believe in its long term prospects, believe in its management team, believe in its market share, believe in its performance, believe in its products and services, then consider buying that equity,"

"You can give one hour every week, not even a day, every week, 10 hours, some people maybe 20 hours, some people maybe 30 hours. I can give one hour a week, just one hour. One thing you have to learn is how to increase the money for which you work hard for 10-12 hours, how to manage that money, how to achieve victory with that money, for that it is your responsibility to control your money"

"Rule number 10: 50 hours this year to learn personal finance to get a grip on your money to answer the most basic questions every person should know: what is my risk profile? My return. What is the expectation? How much money am I chasing in life? How will I get that money?"