Mr.Wealth Wise

Mr.Wealth Wise Practicing CFP helping you make smart money decisions

25/08/2026

The same ₹20 lakh can lead to very different outcomes.

One person uses it to buy a ₹50L house:
• ₹10L down payment
• ₹10L for registration, interiors & furnishing
• ₹10K/month additional EMI outflow after including rent
• 25 years later → house worth ~₹2.5 Cr

The other invests the ₹20L and keeps investing ₹10K/month.

At an assumed 12% return, after 25 years:
₹3.5 Cr from the initial investment + ~₹1.7 Cr from the monthly SIP = ~₹5.2 Cr.

You can then start an SWP of ₹2.5L/month which you can continue for life.

Most people will ignore the additional costs and maintenance costs while calculating returns from real estate.

Book a 1:1 call. Link in the bio.

Whatsapp : 8888620453

Mapusa Office : Wealthwise Financial Services, 18, 6th Floor, Buildmore Business Park, Mapusa, Bardez, Goa

Disclaimer : This video is only for educational purpose and not an investment recommendation

Disclosure: Certified Financial Planner: IN52896 | Mutual Fund Distributor ARN252914

Your portfolio returns can make you feel good.But achieving your financial goals feels different.Because you're not just...
23/08/2026

Your portfolio returns can make you feel good.

But achieving your financial goals feels different.

Because you're not just growing money.

You're building the life you want.

Track goals, not just returns.

Whatsapp : 8888620453

Mapusa Office : Wealthwise Financial Services, 18, 6th Floor, Buildmore Business Park, Mapusa, Bardez, Goa

Disclaimer : This video is only for educational purpose and not an investment recommendation

Disclosure: Certified Financial Planner: IN52896 | Mutual Fund Distributor ARN252914

21/08/2026

Most people think building wealth is complicated, but it often starts with a few simple rules followed consistently.

Your income is a tool. The way you save, invest, and manage it today determines the choices you'll have tomorrow.

Building wealth isn't about finding the perfect investment. It's about creating good financial habits, avoiding costly mistakes, and staying consistent for years.

Comment “Emergency” and I’ll send you a list of debt & low risk hybrid mutual fund options to park your emergency funds.

Book a 1:1 call. Link in the bio.

Whatsapp : 8888620453

Mapusa Office : Wealthwise Financial Services, 18, 6th Floor, Buildmore Business Park, Mapusa, Bardez, Goa

Disclaimer : This video is only for educational purpose and not an investment recommendation

Disclosure: Certified Financial Planner: IN52896 | Mutual Fund Distributor ARN252914

18/08/2026

After investing for more than a decade, his SIP portfolio went into a loss during COVID.

Today, that same portfolio is worth ₹1.9 crore.

This is what his 17-year investment journey looked like.

He started his SIP in November 2008 with just ₹1,000 and continued investing through market cycles, corrections and uncertainty.

For almost the first 10 years, there wasn't a dramatic difference between the amount he had invested and what his portfolio was worth.

Even after more than a decade, during COVID, the portfolio went into a loss.

And then something interesting happened.

As time passed, the gap between what he had invested and what his portfolio was worth started widening significantly.

That's compounding.

It often doesn't look impressive in the early years.

But once the portfolio becomes large enough, the returns generated by the existing investments start contributing meaningfully to the next stage of growth.

Today:

→ Total invested: ₹1 crore
→ Current portfolio: ₹1.9 crore
→ XIRR: 12.3%
→ Investment journey: 17 years

And there's an important lesson here:

A SIP doesn't create wealth by itself.

It creates the discipline to invest regularly.

The wealth comes from staying invested, surviving volatility and giving compounding enough time to work.

And that 12.3% XIRR wasn't free.

The price was the discomfort of watching the portfolio fall, living through uncertainty and continuing to invest when the numbers didn't look encouraging.

The question isn't whether you can earn 12%.

It's whether you can stay invested long enough for compounding to make those returns meaningful.

Would you have stayed invested when your portfolio went into a loss?

Comment “long” and I’ll send you the information to help you stay invested for the long term.

Book a 1:1 call. Link in the bio.

Whatsapp : 8888620453

Mapusa Office : Wealthwise Financial Services, 18, 6th Floor, Buildmore Business Park, Mapusa, Bardez, Goa

Disclaimer : This video is only for educational purpose and not an investment recommendation

Disclosure: Certified Financial Planner: IN52896 | Mutual Fund Distributor ARN252914

07/08/2026

Most people think building wealth is complicated, but it often starts with a few simple rules followed consistently.

Your income is a tool. The way you save, invest, and manage it today determines the choices you'll have tomorrow.

Building wealth isn't about finding the perfect investment. It's about creating good financial habits, avoiding costly mistakes, and staying consistent for years.

Comment “Emergency” and I’ll send you a list of debt & low risk hybrid mutual fund options to park your emergency funds.

Disclaimer : This video is only for educational purpose and not an investment recommendation

Disclosure: Certified Financial Planner: IN52896 | Mutual Fund Distributor ARN252914

04/08/2026

I came across a news article claiming that Akshay Kumar made a ₹3.4 crore profit on a property sale.

But it doesn't tell the complete investment story.

Let's look at the numbers.

Purchase Price (2017): ₹3.70 crore
Estimated Stamp Duty & Registration (≈7%): ₹0.26 crore
Actual Acquisition Cost: ~₹3.96 crore

Reported Sale Price (2025): ₹7.10 crore

At first glance:

₹7.10 Cr − ₹3.70 Cr = ₹3.40 Cr profit

But that's not the amount an investor actually earns.

After considering:

Stamp duty & registration at the time of purchase

Capital gains tax (12.5%)

An 8-year holding period

…the net post-tax gain is closer to ₹2.7 crore.

Now comes the most important question:

What return did the investment generate every year?

Annualised Return (XIRR): ~6.7% p.a.

That's slightly better then FD returns.

But it is very different from what the headline makes us feel.

This is why professional investors rarely discuss investments in terms of absolute profits.

Instead, they ask:

What was the annualised return?

What was the post-tax return?

What risks were taken?

What was the time involved?

The next time someone says,
"I doubled my money in real estate,"

ask them one question:

"What's the XIRR after including stamp duty, registration charges, taxes, and the holding period?"

Because successful investing isn't about chasing the biggest profit.

It's about earning the best risk-adjusted, post-tax return.

Disclaimer: The calculations above are based on publicly reported transaction values and reasonable assumptions for stamp duty, registration charges, and capital gains tax. They are intended for educational purposes.

Disclaimer : This video is only for educational purpose and not an investment recommendation

Disclosure: Certified Financial Planner: IN52896 | Mutual Fund Distributor ARN252914

31/07/2026

"Can I invest only for the first 5 years and still achieve my child's education goal?"

A client recently asked me exactly that.

His daughter is just 1 year old, and he wants to fund her graduation 17 years from now. The current cost is ₹60 lakh, but with 10% annual education inflation, that amount could grow to over ₹3 crore by the time she turns 18.

So we compared two approaches:

✅ Option 1: Invest ₹50,000/month for all 17 years
• Total investment: ₹1.02 crore
• Expected corpus: ₹3.12 crore

✅ Option 2: Invest only for the first 5 years and let the money compound for the remaining 12 years
• Required SIP: ₹98,753/month
• Total investment: ₹59.25 lakh
• Expected corpus: ₹3.12 crore

Both strategies can reach the same goal.

The difference isn't the final corpus it's your cash flow. A limited-period SIP demands a much higher monthly investment today but frees you from future SIP commitments.

A regular SIP is spread over a longer period with a lower monthly amount.

There isn't a "better" option. The right choice depends on your income, future financial commitments, and ability to invest more in the early years.

Comment “Education” if you want the blueprint which shows all the 3 options to achieve the child education goal.

Disclaimer : This video is only for educational purpose and not an investment recommendation

Disclosure: Certified Financial Planner: IN52896 | Mutual Fund Distributor ARN252914

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