AUM Wealth

01/07/2025

Mukesh Ambani built a business empire.He had capital, a vision, and decades of focused ex*****on.

Today, his children and grand children are born into wealth.

Now imagine doing something similar.Not by building a conglomerate…But by starting a simple monthly SIP.

A client once asked me, "Can I start something today so my child never has to worry about money?"

Here’s what I showed him:

Start a monthly SIP of ₹25,610

Stay invested for 50 years

Assume 12% annual return

Total invested: ₹1.54 Crores

Final corpus: ₹100 Crores+

That’s the power of time and compounding.

But what if you want to accelerate this journey?

Then consider a step-up SIP.

Start with ₹25,000/month and increase it by just 10% every year.

Stay invested for 41 years.

Same return assumption: 12%.

Total invested: ~₹14.5 Crores

Final corpus: ₹100 Crores+

Fewer years. Same goal.

Because every annual increase adds fuel to your compounding engine.

👉 The earlier you start, the less you need to invest.
👉 The longer you wait, the harder the climb.

And no, fixed deposits won’t take you there.

Inflation eats away, and the growth curve stays flat.

Equities + Time + Consistency = Legacy.

You don’t need to be Mukesh Ambani to leave a fortune behind. You just need a strategy and the discipline to follow it.

So ask yourself:

Are you creating a future your child can build on,
or

One they’ll have to recover from?

Start early. Step up when you can. Stay invested.

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Disclaimer: This post is for informational purposes only and does not constitute investment advice. Please consult a financial expert before making any investment decisions. Past performance of factors or funds is not indicative of future results.

30/06/2025

Mukesh Ambani built a business empire.
He had capital, a vision, and decades of focused ex*****on.
Today, his children are born into wealth, not because of luck, but because of planning that began decades ago.

Now, imagine if you could do something similar, not by launching a conglomerate, but with something far simpler and more accessible,
a monthly SIP.

A client recently asked me,
"Can I set up something today that ensures my child never has to worry about money?"

I showed them this:

If you start a monthly SIP of ₹25,610 when your child is born,
and stay invested for 50 years at a compounding return of 12% per annum,
your child could retire at 50 with a corpus of ₹100 Crores.

Here’s the breakdown:

Total amount you invest: ₹1.54 Crores

Final portfolio value: ₹100 Crores

Difference created by: the power of compounding and time

It’s not magic, it’s math.

But here’s the part most people miss:

The earlier you start, the more powerful compounding becomes.
The later you wait, the steeper the climb.

If you delay by even 10 years, you don’t just lose time,
you lose opportunity.

And no, fixed deposits won’t get you there.
Inflation will eat into returns, and the compounding curve stays flat.

The real power lies in equity investing, long horizons, and consistency.

You don’t need to be Mukesh Ambani to leave a legacy.
You just need a plan, and the discipline to stick to it.

So ask yourself,
Are you creating a future your child can build on,
or one they’ll have to recover from?

Start early and invest wisely.

Follow for more!

27/06/2025

As a business owner, your business is your baby. But it shouldn't be your only plan.

Many entrepreneurs believe that if the business does well, everything else will fall into place — retirement, children's education, financial security.

Sure, a successful business can create wealth.

But what if it takes longer than expected?

What if market conditions change?
What if things don't go exactly as planned?

That’s why it helps to build parallel plans:
A retirement fund that grows quietly in the background
An education corpus that doesn’t depend on business profits

Insurance that protects your family if income slows down

Being optimistic is good.
Being realistic is better.

Your business can be your legacy.
But don’t forget to secure your life while you’re building it.

26/06/2025

In 2019 a client told me this

“I make money
but I never feel like I have money”

He had one business account
Everything was mixed into it

Expenses
Reserves
Investments
All in one pot

No wonder it felt like chaos

We made one simple shift

Split his funds into 3 buckets

Operating capital → to run the business
Reserve funds → for emergencies
Surplus → to invest in growth

That was it

6 months later
He wasn’t stressed about cashflow
He was making confident decisions

Turns out
Managing liquidity isn’t about how much you have
It’s about knowing where it goes

If you’re a business owner with one account
Start here

P.S. Reshare this
♻️ It might save someone a panic attack this month

25/06/2025

My article on "How AI Can Help You Save Tax But..." has been published on Rediff.com.

Here's the link:

AI isn't a magic wand. It works best when combined with good systems, informed investors, and skilled advisors, says Amit Suri.

25/06/2025

My article on "How AI Can Help You Save Tax But..." has been published on Rediff.com.

Below is the link for your reference:-

AI isn't a magic wand. It works best when combined with good systems, informed investors, and skilled advisors, says Amit Suri.

24/06/2025

If your goal is to build a ₹1 crore corpus, it’s not going to happen overnight.
It might take 10 years or more.

So how do you stay motivated?

Here’s one strategy I often share with clients:
Build rewards into the journey.
For every ₹10 lakh milestone you hit,
Plan a small or medium reward.

It could be a solo treat, a family vacation, or a big-ticket purchase—
whatever keeps you excited without derailing your plan.

Think of it as setting mini-goals within your long-term vision.
You can even invest for the reward itself.

So when the time comes, it doesn’t feel like a setback—it feels earned.

The trick is simple:
don’t just plan your finish line.

Plan your motivation along the way.

🎯 What reward would keep you going every ₹10 lakh?

23/06/2025

Are some dreams worth giving up?

For a growing tribe of D**K couples (Double Income, No Kids), the answer is a thoughtful yes.

They are not just opting out of parenting. They are choosing a different kind of freedom. No school admissions. No 3 a.m. wake-ups. No college loans.

But beyond lifestyle choices, there is a financial shift taking place.

💰 A child’s basic expenses in India, from diapers to degrees, can range between ₹58 lakh to ₹3 crore depending on education goals and inflation.

This gives D**K couples significant financial headroom. The key question is—how can this be channelled into building a strong retirement plan when there are no children to fall back on?

Here’s how many are doing it:

🔸 Mutual Fund SWPs and Bonds
With no legacy to leave behind, the focus shifts to creating a dependable income stream.
Systematic Withdrawal Plans (SWPs) from mutual funds, paired with high-rated bonds, offer flexibility, liquidity, and inflation-adjusted growth.
This route gives couples control over their retirement cash flows and access to their own money in case of emergencies—something traditional tools may not allow.

Other tools, though less flexible, are also finding space in D**K retirement plans:

🔸 Joint Life Annuity
This offers guaranteed monthly payouts for life, continuing as long as either spouse is alive.
Example: A 75-year-old couple investing ₹1 crore could get ₹76,000 per month (9.17% annualised), based on June 2024 averages.
Without children to leave money to, couples can opt for higher monthly income instead of capital preservation.

🔸 Reverse Mortgage
Homeownership can also become a retirement asset. D**K couples are increasingly considering reverse mortgages—where the home is pledged in return for monthly payouts.
Example: A house worth ₹1 crore can generate around ₹18,000 per month for 15 years. The loan is recovered by the bank after both spouses pass away.

While these tools provide structure, they come with caveats—lock-ins, lack of inflation protection, and restrictions on liquidity.

The takeaway
D**K couples may not have the financial responsibilities of raising children, but that also means retirement planning must be deeply intentional.
There may be no backup plan—so the plan itself must be watertight.

Are we ready to rethink retirement on our own terms?

20/06/2025

Your finances should support your life, not just your job

Work gives structure. Life gives meaning.
And somewhere in between, we need to ask ourselves — are we building wealth just to keep working, or to create the freedom to pause, pivot, and grow?

Most people wait for permission.
Permission to take a break.
Permission to slow down.
Permission to pursue something that pays less but feels more aligned.

Here’s the truth:
Financial independence is not just about retiring early.
It is about not being stuck.
It is about having enough savings to say no when you need to, and enough confidence to step back when life calls for it.

You do not need crores.
You need a plan.
A micro retirement fund.
A six month buffer.
A clear understanding of your needs, not just your wants.

Because when your money starts working for you, you stop being afraid of what might happen if you step off the treadmill.

What would you do if money was not the reason to keep saying yes?

19/06/2025

Worried about damaging your credit score?
Your EMIs could be the reason
(It only takes one slip)

A client missed a small EMI
Nothing major

But their credit score dipped—fast

We set reminders
Enabled auto-pay
And just like that, their score began to climb

Now they see EMIs as credit-building

Not credit-breaking
Missed EMI = Credit Score Hit

Automate your payments
Keep your EMI-to-income ratio under 40%

Protect your credit health

Follow me for more personal finance tips that actually work
♻️ Repost if this helped clarify your doubts

18/06/2025

I am very happy to share that Financial Express has featured my favourite campaign in their ‘On the spot’ column today on page 9.

This has appeared in the National edition of the publication.

The KILB campaign, short for "K*m Insurance Lene Ki Bimari," was a 2008 advertising campaign for AEGON Religare Life Insurance. It aimed to educate the public about the importance of adequate life insurance coverage and address the issue of people underinsuring themselves.

11/06/2025

Most people think personal finance is just about investing.
(It’s not)

It’s also about:
– Managing your behaviour
– Getting the right insurance
– Building an emergency fund that actually covers emergencies

The problem?
Everyone's chasing returns...
But they ignore the basics that protect their future.

Truth is...
You don’t need to outsmart the market.
You need to out-discipline your impulses.
Focus on the fundamentals.
Then grow from there.

P.S. What’s the one money habit that changed your life?

♻️ Repost this if you think more people need this reminder.

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