A structured, single-page reference for picking high-performing instruments, structuring bucket withdrawals, and applying timeless rules of wealth.
Focus: Safety, instant access, zero equity market exposure.
Focus: Predictable yield higher than inflation with low-to-moderate risk.
Focus: Maximizing inflation-adjusted equity growth over time.
Keep 6 months of mandatory living expenses liquid before making aggressive investments.
Secure 10–15x your annual income in pure life cover; never mix investment with life insurance.
Maintain an independent family health plan of ₹15L–₹25L+ separate from corporate health cover.
Schedule systematic investments on payday to ensure savings happen before spending.
Rebalance equity and fixed-income ratios once every year to maintain risk targets.
Use 8–10% inflation for long-term calculations like children's higher education and healthcare.
Clear credit cards and high-interest loans immediately—no investment reliably beats 24%+ interest rates.
Spread wealth intelligently across Equities, Debt, Gold, and Productive Real Estate.
Divide 72 by expected annual yield percentage to quickly calculate years needed to double capital.