Retire by age 35–40
- Own a small house
- Dream car and bike
- Watch movies, read books
- Grow your own vegetables
- Go to the gym
- Passive income of 50–100K
- Travel the world
- Live a peaceful life
Any man can do this if he doesn't get married.
Marriage is a burden.
₹1 Crore invested at 12% grows to:
₹3.1 Cr in 10 years ₹9.6 Cr in 20 years ₹30 Cr in 30 years
Asset allocation matters more than stock selection.
This is the ₹1 Cr portfolio I'd be comfortable holding through bull markets, crashes, inflation, and uncertainty.
#nifty #stockmarketindia
Reliance: No return in 4 yrs.
HDFC Bank: No return in 5 yrs.
TCS: No return in 7.75 yrs.
HUL: No return in 6.5 yrs.
Infosys: No return in 5.5 yrs.
Maruti Suzuki: No return in 2 yrs.
Adani Ent: No return in 3.75 yrs.
Axis Bank: No return in 1.5 yrs.
M&M: No return in 1.75 yrs.
Kotak Bank: No return in 5.5 yrs.
ITC: No return in 9 yrs.
NTPC: No return in 2 yrs.
ONGC: No return in 12 yrs.
Ultratech: No return in 2 yrs.
HCL Tech: No return in 5.75 yrs.
Coal India: No return in 2.5 yrs.
Bajaj Auto: No return in 1.75 yrs.
HAL: No return in 2 yrs.
Bajaj Finsv: No return in 4.75 yrs.
Dmart: No return in 4.75 yrs.
Nestle: No return in 2.5 yrs.
Powergrid: No return in 2.5 yrs.
Asian Paints: No return in 5.5 yrs.
Adani Green: No return in 4.5 yrs.
Eternal: No return in 1.75 yrs.
Hind Zinc: No return in 2 yrs.
Wipro: No return in 5.5 yrs.
Indian Oil: No return in 9.25 yrs.
Adani Energy: No return in 5 yrs.
SBI Life: No return in 1.75 yrs.
Varun Bev: No return in 2.5 yrs.
Indigo: No return in 2 yrs.
Jio Fin: No return in 2.75 yrs.
Trent: No return in 2.25 yrs.
Tata Motors: No return in 2.75 yrs.
Tech M: No return in 4.75 yrs.
Cipla: No return in 2.5 yrs.
Tata Cons: No return in 2.5 yrs.
Dr Reddy: No return in 2.5 yrs.
Max Health: No return in 2.5 yrs.
Buy good companies isn't enough.
You need to time your entries well.
A businessman had ₹2 Crore black money.
He bought agricultural land in his village.
Registry value (circle rate) = ₹10 lakh Actual deal = ₹2 Crore
So officially: • ₹10 lakh paid in white • ₹1.9 Crore paid in cash (Black)
After 1 year, he sold the same land in ₹2 Crore fully in white.
Result?
• ₹1.9 Crore black money became legal money.
• Almost no tax.
Black money ➝ Land ➝ White money
Shocking Truths About Today’s Reality
1. Big houses—small families
2. More degrees—less common sense
3. Advanced medicine—poorer health
4. Higher income—less peace of mind
5. High IQ—zero emotions
6. More knowledge—less wisdom
7. More affairs—no true love
8. Lots of social friends—no best friend
9. Many humans—no humanity
10. Expensive watches—no time
11. Fast internet—slow relationships
12. Smart devices—dumb conversations
13. More followers—fewer real connections
14. Bigger salaries—no satisfaction
15. High technology—low patience
16. Loud opinions—no understanding
17. More selfies—less self-respect
18. Bigger cities—smaller hearts
19. Online shopping—offline happiness
20. Many contacts—no one to call
Rule of thumb for investment in fundamentally solid stocks:
1. If price drops 10%, just hold
2. If price drops 20%, add 10%
3. If price drops 30%, add 30%
4. If price drops 40%, add 30%
5. If price drops 50%, add 50%
6. If price goes up 10%, just hold
7. If price goes up 20%, still hold
8. If price goes up 30%, sell 10%
9. If price goes up 40%, sell 20%
10. If price goes up 50%, sell 30%
11. If price goes up 60%, sell 40%
12. If price goes up 100%, sell all
Debt isn’t boring - it’s balance.
Top options in India:
• FD (5–7.5%)
• RBI Bonds (~8%)
• PPF (7.1%, tax-free)
• NSC (7.7%)
• SCSS (~8.2%)
• Debt Funds (6.5–8.5%)
• G-Secs (7–7.5%)
• Post Office MIS (7.4%)
• EPF (8.25%)
Which one do you use?
Equity builds wealth.
Debt protects it. ⚖️
Follow @vishan_29 for more such posts.
When You Start Making Good Money, Do This:
1. Buy fewer clothes, but wear the highest quality.
2. Eat premium food, not junk
3. Hire a helper for household chores. Buy back your time.
4. Upgrade your mattress. Sleep changes everything.
5. Invest in experiences, not just stuff.
6. Upgrade your financial adviser. The one who got you here won't get you to the next level.
7. Surround yourself with high-value people.
Small shifts. Big impact.
How Rich People Buy House 🔥
Cash in Hand~ ₹1 Crore
-Invested ₹80 Lakh in Mutual Fund
-Down Payment~ ₹20 Lakhs
Took ₹80 Lakh Home Loan
EMI~ ₹70,000 per month
Set up an SWP of ₹70,000/Month from Mutual Fund.
For 20 years~ SWP Covered EMI Fully
After 20 years :-
-House Fully Paid off
-Mutual Fund Value still ₹2.86 Crore