How to Build Wealth in India With ₹1 Lakh a Month: Wealth Manager Secrets ft. Feroze Azeez | FWS 72
Published: 2025-10-08
Status:
Available
|
Analyzed
Published: 2025-10-08
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 2
Prediction
Topic
Status
An income of 1 lakh per month is sufficient to achieve financial freedom in India.
"Even if you're earning one lakh a month, you can achieve financial freedom."
Pending
A monthly SIP of ₹35,000-₹40,000, growing at 15% annually, is projected to be sufficient to meet all aspirations for a young investor.
"Since you're so young and you're starting now, I suspect that you would not be falling short with I think 3540,000 should be good enough to fulfill all your aspirations. 354,000 of SIP today. Grown at 15% every year, Should take care of these five."
Pending
Purchasing a house can lead to a debt trap, hindering the ability to save for other financial goals.
"if you buy the house uh then you will be into a uh debt trap of not being able to save for other goals."
Correct
Renting in metro cities is recommended because these cities have become unaffordable for home ownership.
"So metros have outgrown it. That's why like you said the the debate with rent in a metro you should always rent"
Correct
The capping of Sections 54 and 54F in tax law is expected to shift investment from real estate to equity over the next 10-20 years, potentially leading to a correction in land prices.
"The impact of 54 and 54F getting capped will be seen in the next 10, 15, 20 years where people are now saying okay I'll invest in equity. So they'll be forced to remove money from those land and then the land prices will eventually correct itself."
Pending
Achieving financial freedom with a 1 lakh monthly income in India is considered very easy due to India's growth and the potential of mutual funds to grow at 15-16% CAGR.
"Even if you're earning one lakh a month you can achieve financial freedom. You're saying it's very easy. It's very easy because India is going to grow a good set of mutual funds if you don't do mistakes can grow money at 15 16% CG"
Incorrect
For retail investors, the recommended asset allocation prioritizes mutual funds, followed by Gold ETFs, and then sensible investments in unlisted equity.
"Mutual funds are first. Second is gold ETF. Third, if you're very sensible about buying unlisted equity, that can be a good sharp ratio."
Pending
Investment in REITs is not recommended due to anomalies and inefficiencies in India's real estate market.
"So don't invest in REITs. Definitely not in any unstructured market putting a structure India's real estate be it commercial, residential has so much anomaly."
Pending
Investing in FDs and bonds is strongly discouraged for individuals at age 30, especially those with a middle-class income, due to their underperformance compared to equity SIPs over a 10-year period.
"I would not put Shahon's money unless there's a gun on my head. Definitely not. No. But like for somebody who's earning one lakh a month, middle class income, you don't recommend investing in FDs and bonds. At the age of 30, the answer is a big no. Big no. Big no. Why? Because you will see in 10 years give me anybody who propagates debt for a 10-year money needs to at least bring me one statement of a person who did an SIP for 10 years and made less than debt return or at least lost capital."
Pending
A debt fund with 30% allocation to arbitrage can become more tax-efficient for goals exceeding two years.
"If you have 30% in a debt fund in the form of an arbitrage, then 2 years long that becomes more tax efficient."
Correct
Arbitrage involves profiting from price differences by simultaneously buying and selling a commodity, illustrated with an example of apple trading.
"Arbitrage is buying and selling a same commodity and taking care of price differences called arbitrage. I'll give you an example. If you buy apples in dada in the morning on the phone call you speak to somebody in Malad saying that yeah I'll give you one apple one kg apple at 102 rupees within 3 hours but I bought it in dada at 100 rupees. I already have bought the apples. I already have a contract to sell the apple at 102. I have taken 3 hours mutath because it'll take three hours of travel time. This is called arbitrage."
Correct
A debt fund with 65% in bonds and 35% in equity arbitrage qualifies for long-term capital gains after two years, taxed at 12.5%, making it a highly tax-efficient instrument for short-term goals, especially for those in the highest tax bracket.
"So any debt fund which has 65% in pure bonds like we discussed and 35% in equity arbitrage will qualify for a long-term capital gain after 2 years. So then that'll be taxed at 12 and a half% for absolutely sir. Got it. So that's the most efficient tax uh taxable tax efficient instrument especially if you get into the highest tax bracket for the short-term goal requirements."
Pending
Cryptocurrencies are not recommended as investments because they tend to evoke emotional decision-making.
"I would say uh unfortunately no. Anything which makes me become very emotional with my decision making, I would say no."
Correct
Bitcoin is considered a mode of payment, not a currency, as it is not priced in the menu of goods and services.
"Bitcoin will never be a currency. Again, people are mistaking one big myth. ... today it's not a currency. If Tesla accepts Bitcoin, it doesn't make it a currency. He has to price the car in Bitcoin. ... Unless he gives me the bill in the form of .3 watches. that's the difference between a currency and a mode of payment ... bitcoin is a currency no it's a mode of payment it becomes a currency when you see the menu in bitcoins"
Incorrect
A framework using 11 statistical parameters with predictive capabilities is employed for selecting mutual funds.
"there are 11 parameters which we use that's the statistical parameters which we use which have some predictive capability"
Unrated
Funds with the highest past returns have a lower probability of delivering similar returns in the following year.
"higher the last point return lower the chance that he will deliver that return next year."
Correct
Investors often exhibit a counterproductive behavior of buying funds when it's time to sell and selling when it's time to buy, with a negative correlation observed in fund performance.
"There is a minus.68 negative correlation and people buy all funds when it's time to sell and they sell all funds when it's time to buy."
Correct
The Nifty Midcap 150 is the designated benchmark for midcap mutual funds in India.
"If you're buying a midcap fund in India, the benchmark is Nifty Midcap 150."
Correct
The Nifty 500 is the benchmark for flexi-cap mutual funds.
"benchmark for flexiap is n 500"
Correct
Investors should expect an alpha of 3-4% over Nifty. For retail investors, the recommended must-have mutual fund categories are Flexi Cap (first fund) and Multi Cap (second fund).
"So you should expect 3 to 4%. over nifty. So what are the must- have mutual fund categories that every retail investor should have in India today? If you have money for first one fund then it surely has to be a flexi cap. If you have second fund then it has to be multicap."
Pending
A recommended portfolio for retail investors includes Flexi Cap, Multi Cap, Large Cap, Mid Cap, and Small Cap mutual funds.
"Then if you have the third fund money for the third fund now mutual funds are so affordable and people talking about 250 rupees. I really wish and pray even a retail can afford four funds. Then you go to the large cap category then the midcap category. And then the last one you said is midcap. No small cap. If you have the fifth fund then small cap."
Correct
Actively managed large-cap funds are recommended for courageous investors, although the odds of outperformance are low.
"In large cap would you recommend index or an actively managed large cap? uh if you're courageous then actively manage large cap"
Pending
Quant Large Cap fund is highlighted as a fund that has shown significant alpha (28%) against Nifty in one year.
"some funds give me hope like quandar cap which we were discussing is one fund which gave 28% alpha on nifty one year"
Pending
Flexi-cap funds offer limited exposure to small caps (average large-cap holding is 71%), while multi-cap funds have a mandatory 25% allocation to each of large, mid, and small caps, providing more small-cap exposure.
"Because if you bought a flexi cap, you will get very little portion of small cap. The flexible flexi cap funds which are about about 38 of them if you look at the average large cap holding it's about 71%. Right. So that gives a little t of small cap but if I have the second fund then multicap has a mandatory allocation of 25 for small 25 for m 25 for large."
Correct
It is highly unlikely to find an individual who can consistently achieve a 35% compounded annual return over a sustained period, evidenced by a lack of verifiable transaction records.
"So I would say if that's the narrative I'd say if give me one guy who can show me an Excel sheet of all transactions which has made him 35% compounded okay and you will not find"
Correct