THE WET FLOOR

THE WET FLOOR

My friend after a long day in office comes home tired.
As soon the door opens, his wife blurts out
 "Come quickly. The Kitchen floor is wet"

Tired husband, signing rushes in to see the scene in the kitchen.

Water everywhere.

Husband helps the wife and both grabbed mops, towels, buckets and after 1 hour the floor was finally dry.
The husband already tired after a long day is now even more tired, has a quick light dinner and goes to a well-deserved sleep.

THE NEXT DAY:

Next evening the husband comes home and is in a cheerful mood today.
when he knocks the door, his wife with the same frowning face opens the door and says “Its wet again today!”
The cheer vanishes in micro second.
Cursing inside, the husband helps wife mop the wet kitchen floor and after 1 hour the floor is dry again.
This time the husband checks the tap, sink. Finds nothing but still secures the tap tightly and goes to bed.

THE 3^RD DAY:

As the husband comes home, he hesitantly knocks the door, praying the kitchen is not wet today.
The wife opens the door.
And his fear comes true.
“The kitchen is wet today too”
The husband loses his cool this time but keeps his anger locked inside.
Seething with anger, he mops the kitchen floor and once again checks the tap, sink and the pipes.
He finds nothing amiss.
Now he is really worried.

He tells his wife :

"We have become experts at mopping. But we are no closer to the answer."

“Tomorrow I will find the cause and get to the root of the problem”

The Search :

The next day he came home early. And as he expected, the kitchen floor is wet.

But, this time the husband is more interested in find the root of the cause. After mopping the kitchen floor dry, he pulls out the cabinet under the sink.

Moves the containers, removes the Wooden Plank and shines a torch into the dark.
THERE IT WAS!
THE ENEMY!

A TINY CRACK IN A PIPE.
Just a minute crack and minute leak, almost invisible to the naked eye.

A few drops every 5 minutes and falling very silently.
The husband realises that this silent slow leak is what creating the puddles and causing the kitchen to be wet by evening every day.

THE SOLUTION:

Next day the husband comes home 1 hour early and with him is a plumber.
The plumber checks the tap, sink, pipes and finds that minute leakage point.

The Plumber puts the Sealant to stop the leakage and also tightens the pipe taking a grand 10 minutes of time.

Done! No more wet floor!
No more mopping!

The Sources of the problem (leakage) is fixed!!

 

YOUR MONEY PUDDLE
     Majority of investors ignore the small leakages and then lose the route to Riches.
Small mistakes keep happening in front of our eyes, but majority brush aside the same and carry on mopping the leakage.

1.       The credit card bill is not fully paid. You ignore the same. The penalty charges and interest shoot up. YOU MOP AND MOVE ON.

2.       The market falls, you listen to Finfluencer on insta and redeem. YOU MOP AND MOVE ON.

3.       Children’s College is just 2 years away. You bet markets will go up and invest fully in equity and risk the capital itself. And to arrange for fees, you BORROW and get into Debt. YOU MOP AND MOVE ON.

4.       The retirement is looking nearer. You never really planned properly for it. You overcompensate, gamble and bet on risky assets. YOU MOP AND MOVE ON.

5.       You are very healthy now. You say “What will happen to me”?. You ignore Health Insurance. Hospital Bill arrives. You sell your Blue Chips and clear the bill. YOU MOP AND MOVE ON.

6.       Your friend doubles money in a scheme run by neighbourhood uncle. You invest and lose capital. You shrug and crib. YOU MOP AND MOVE ON.

Throughout you keep MOPPING and then 1 day you ask God  

"Why do money problems keep coming back?"

The answer, my friend, is not the Puddle, but the LEAK.
Your Financial Planning has its own leakage causes. Identify the same and course correct.
No Emergency Fund
No Asset Allocation

No Insurance

No Yearly Review

Those tiny cracks happen in most financial lives due to ignoring basics of Good Financial Planning.
Small leaks ignored for years can turn your financial life into a mess.
Reach for the torch and get a good Plumber.
A good Advisor/Mentor/Guide (AMG) and fix the source of leakage for a stress free financial life.
Financial Freedom is never ever built by solving 1 crisis after another. Else you end up spending mopping financial leaks throughout.

Stop Struggling, Start Compounding.
Wishing you Super Financial Success.

— Srikanth Matrubai
AMFI Registered Mutual Fund Distributor | ARN-51423
#DontRetireRich
Disclaimer: Mutual Fund investments are subject to market risk. Read all scheme related documents carefully before investing.

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

TONIC OR VACCINATION?

WEALTH OF WISDOM
I still remember the day we brought our newborn home.
Before leaving the hospital, I asked the doctor one thing ,
“When should we come back for the next vaccination?”

Not “Which TONIC helps him GROW FASTER”

Because every parent loves to see their baby grow faster
But every parent also understands this clearly:
Tonic is for faster growth… Vaccination is for safe growth.

As a father, it’s my duty to protect my child from the dangers that could block his growth. If protection is right, growth happens naturally.

But in investing, we flip this thinking.

Majority of investors chase the Tonic… focussing on Quick Returns, Faster Growth, Hot Sectors, Viral Ideas, the Next Big Thing.

But the Smart Wise Ones know that the focus should be on Vaccination…. Safety, Discipline and Asset Allocation.

Look at the market history. Everytime there has been some HERO Themes
Infrastructure in 2007

Real Estate in 2010

PSU in 2023

AI Theme in 2024

2007 infrastructure, 2010 real estate, 2023 PSU, 2024 AI themes — all looked like “fast growth tonics.” Until cycles changed.

We have seen/heard of so many cases wherein an investor sees his friend making 50 percent returns in some thematic fund. He feels left behind (FOMO). He breaks his 30,000 SIP in a steady fund. He puts it all into the latest hot sector. And when that sector turned, like many the investor lost his hard earned corpus chasing quick growth ignoring discipline and asset allocation.

Remember,
Popularity is not Safety
Following a Crowd is not a Strategy.

Wealth Creation always has been and will continue to be STAYING INVESTED and not chasing Hot Trends.
You need to follow Asset Allocation.
You need to follow Risk Analysis and invest as per your Risk Profile.
You need to follow Discipline diligently.

Avoid Short-Cuts. You may end up in a Dead-End!!

#DontRetireRich
All the Very Best,
Srikanth Matrubai

AMFI Registered Mutual Fund Distributor

ARN-51423

Disclaimer : Mutual Funds are subject to Market Risk. Please read all documents carefully before investing.
Educational Post Only.

 

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

WHERE LADIES COME FIRST

LOVE FOR MONEY by Srikanth Matrubai at Radio City 91.1 FM

I keep getting lots of queries on RADIO CITY and I felt that sharing some of the best questions to our readers will be of great help. 

Today sharing something special on the upcoming WOMEN's Day

Question :
On this Women’s Day special, what are the real financial advantages available specifically for women — and what practical steps should families take?

Srikanth Matrubai answers:

Empowerment  of Women folk becomes powerful only when it reflects in financial documents.

---

1️⃣ Life Insurance – Lower Premiums, Higher Advantage

Statistically, women have higher life expectancy than men. Because of this, insurers price term insurance for women 6%–20% cheaper at younger ages. At age 50, the difference can go up to 20%–25%.

Over a 25–30 year policy, this is not a small number. It can translate into savings of lakhs — for the same coverage.

Actionables:

• If the wife is earning, ensure she has her own independent term plan.

• Compare premium quotes separately for husband and wife instead of assuming same pricing.

• Lock the policy early. Premium is decided by age and health at entry — delay means higher cost.

• Avoid mixing investment and insurance. Keep term plan simple and pure protection.

Financial visibility matters. If she contributes to income, she must have protection in her own name.

---

2️⃣ Health Insurance – Women-Specific Covers & Maternity Planning

Many insurers now offer women-focused critical illness covers that include cancers like cervical, ovarian, and breast cancer. These are structured differently from general plans.

Maternity coverage is another important aspect. But here is the catch — most policies have a waiting period of 2 to 6 years. Buying after planning pregnancy is too late.

Actionables:

• Buy health insurance early — before health complications arise.

• Check whether the policy covers women-specific critical illnesses.

• If planning family in future, choose a policy with maternity cover today, not tomorrow.

• Ensure sum insured is realistic. Hospital bills have grown sharply in the last 5 years.

Health shocks should not disturb long-term wealth creation. Insurance protects savings discipline.

---

3️⃣ Home Loans – Lower Interest Rates

Many banks offer 0.15% to 0.65% lower interest rate if the property is registered in a woman’s name or if she is a co-applicant.

Even a 0.25% difference on a ₹50 lakh loan for 20 years can mean savings of several lakhs.

Additionally, in many states, stamp duty is lower for properties registered in a woman’s name.

Actionables:

• While buying property, check interest concession specifically for women borrowers.

• Compare EMI difference across banks.

• Evaluate stamp duty savings before final registration.

• Ensure repayment capability is practical — do not over-leverage just for concession.

Ownership builds long-term security. Structuring ownership smartly builds wealth faster.

---

4️⃣ Education Loans – Concessions for Girl Students

Many public sector banks provide interest rate concessions — often around 0.50% — for girl students pursuing higher education.

Over 5–7 years of repayment, that concession reduces total interest outgo meaningfully.

Actionables:

• When planning higher education, compare loan schemes across banks.

• Ask specifically about concession policies for girl students.

• Explore moratorium period terms and repayment flexibility.

• Combine scholarship options with concessional loans to reduce dependency on high-cost borrowing.

Education funding done smartly prevents long-term financial stress.

---

5️⃣ Bigger Picture – Financial Identity

This is the most important part.

Women should not just be nominees.
They should be policyholders.
They should not just sign documents.
They should understand them.

Actionables:

• Ensure investments, insurance, and loans reflect real participation.

• Maintain separate bank account and emergency fund.

• Encourage financial discussions at home — transparency builds strength.

• Review all documents annually.

Women’s Day is not about celebration for one day.  It is about financial clarity for lifetime.

Because real empowerment is not just earning income.  It is owning protection, assets, and decisions.

Regards

Srikanth Matrubai 

TEAM SRIKAVI 

Mutual Fund investments are subject to market risks. Read all scheme related do
cuments carefully before investing. This post is for educational purposes only and should not be construed as investment advice.
#DontRetireRich

ARN - 51423

AMFI REGISTERED MUTUAL FUND DISTRIBUTOR 

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

🚍 “Equity Slow Bus or Gold–Silver Rocket?” — A Market Reality Check

ARE YOU IN WRONG VEHICLE??

“Why am I sitting in this slow Equity bus when everyone else is flying in a Gold–Silver rocket?”

     For lakhs of equity investors, this thought has crossed their mind at least once.

    Equity (Nifty) is looking like in a LONG SLEEP at 25,000 levels for 18 months now, whereas cousins Gold at ₹1.5 lakh and Silver above ₹3 lakh are grabbing Front Page Headlines. Suddenly, Equity feels like a boring test of patience, while Gold feels like a lottery win.
Let’s pause and bring this back to Fundamentals and Common Sense.

 

1️⃣ Neighbour’s halwa is always sweeter

When your Equity is quiet and Silver has doubled, your mind whispers, *“Did I choose Wrong!”*

Selling Equities and moving into Gold may seem Logical at this moment  

But is it?
Buying Gold or Silver after a 100% rally is like entering a wedding when dessert is being served 🍰 — the celebration is almost over, and you may be the one paying the bill.

Selling equities (currently consolidating or “on sale”) to buy gold at peak MRP is the oldest investing mistake: selling low and buying high. And remember Equities in SLEEP MODE for 18 months could well turn our to be COILED SPRING ready to LEAP!

 

2️⃣ Don’t Mix Up Protection with Growth

Gold is an umbrella.

Equity is a fruit tree.

     You don’t cut the tree just because it’s raining.  Equity builds wealth over time but surely; Gold protects wealth when life misbehaves.
     Moving everything to Gold now is similar to buying "Insurance" after the accident has happened.

 

3️⃣ The Pharmacy Effect

Gold is crowded today because the world has an uneasy headache—wars, tariffs, fear and uncertainty dominating headlines.   Experienced investors don’t buy medicine when everyone is already sick — they prepare before the fever comes.   That’s how market cycles has always worked.

 

4️⃣ Real maturity = Asset Allocation

A mature investor doesn't eat only pickle just because it's spicy and tasty today. Wealth creation needs a Whole Thali.

• If Gold was 10% of your portfolio and has become 20% because of the rally, trimming some Gold does make sense.
• Deploy that money into Equity or Debt as per Asset Allocation.  This is Disciplined Investing.

      A Complete Shift away from Equity to Gold is emotion driven and not planning.

Bottom line

Gold and Silver look “shiny” today because the world feels dangerous — but don’t let the glitter blind you.  Gold shines in fear; equity rewards patience.

Gold and Silver are insurance, not income engines.
Equity remains the real compounding machine, especially through SIPs.

Volatility feels uncomfortable, but for long-term investors, it actually helps accumulate better.

A doctor doesn’t change your medicine every two days just because a new brand appears.

Wealth is built by time in the market, not by constant switching.   Wealth isn’t created by chasing rockets — it’s built by staying seated in the right vehicle.
#DontRetireRich

 

Disclaimer: This is for education only. Not investment advice. Asset allocation should be done based on individual goals, risk appetite, and time horizon.

All the best,
Regards,
Srikanth Matrubai

AMFI REGISTERED MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

FOREVER WEALTH RESOLUTIONS

---

Stop making New Year resolutions.
Make FOREVER wealth resolutions.

Every last week of December, almost everyone does this 
“I will save more.”
“I will invest better.”
“I will control spending.”

By the end of January?
90% of these resolutions are gone!

Not because people are lazy.
But because habits don’t change with calendar dates.

Changing behavior needs reminders, structure and simplicity.

That’s why instead of a New Year Resolution, believe 

An EVERGREEN WEALTH RESOLUTION

One set of money rules that work in every year, every market, every phase of life.

So let me ask you honestly:
Are you in that rare 10% who sticks to resolutions?

If yes — fantastic.
If not — even better. This is for you.

---

EVERGREEN WEALTH RESOLUTIONS (FOR LIFE)

1️⃣ INSURANCE BEFORE INVESTMENT. ALWAYS 
Insurance is not for returns.
It is for responsibility.
Term insurance protects families.
Health insurance protects savings.
Mixing insurance with investment usually gives you neither.
Term Insurance is a MUST, especially for a Bread Winner. Term Insurance offers the HIGHEST Life Cover at a Low Premium protecting your family from a financial crisis in your absence.

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2️⃣ EMERGENCY FUND = FIRST REAL WEALTH

6 months of expenses.
Liquid. Boring. Accessible.

If you don’t have an Emergency Fund, SET IT UP NOW!!!
Be prepared for Emergencies: Medical contingencies, job loss, and salary cuts are some emergencies that you must be prepared for.
Without this, every market fall feels like a personal emergency.

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3️⃣ PLAN EARLY FOR BIG SPENDS (EVEN THE "SMALL BIG" ONES) 
Most people plan for marriage or a house.
But ignore:
• School fees
• Festival expenses
• Vacations
• Insurance premiums

Planning early avoids selling good investments or falling into loans.
With planning, goals become a joyful journey, not a mad dash.

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4️⃣ AVOID EMIs LIKE A PLAGE / COVID
Buy-Now-Pay-Later is the biggest wealth killer.
Except home loans, EMIs quietly shave your future.

Do Reverse EMI instead.

SIP first. Buy later.  EMI kills. SIP thrills.
Unless it’s a Home Loan EMI, you have no right to get into an EMI and get yourself trapped and shave off your wealth.

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5️⃣ ASSET ALLOCATION BEATS INTELLIGENCE AND EVEN AI
Equity. Debt. Gold. Cash.
Each has a role.

Concentration feels smart in good times.
It hurts badly later.

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6️⃣ GOLD IS SUPPORTING ACTOR, NOT THE HERO
Gold protects purchasing power.
Equity builds wealth.
Overloading gold after a rally is fear dressed as logic.

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7️⃣ SIPs WORK BECAUSE DISCIPLINE WORKS

Avoid procrastination. Embrace discipline.

“We’ll start next month” is the costliest sentence in finance.

Wealth is built chai by chai ☕ — one small step at a time.

SIPs don’t predict markets. They manage emotions.
Consistency beats timing — every single time.

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8️⃣ GET AN AMG (ADVISOR/MENTOR/GUIDE)
Google gives information.
It doesn’t give personal advice.

An AMG helps you:
• Choose the right asset
• Avoid costly mistakes
• Stay disciplined when emotions rise

Don’t be paisa-wise, rupee-foolish.

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9️⃣ LIFESTYLE INFLATION IS A SILENT SABOTAGE
Higher income is not a license to live like Ambani.
That extra income can buy freedom — or future stress.

Spend consciously.
Invest aggressively.
Your income may reach the summit of Everest, but your spending should not! A bigger income is not a license to live like an Ambani! 
That Extra Income could be your ticket to Financial Independence. 

🔟 INVEST FOR THE LONG TERM, NOT QUICK WINS 
Markets reward patience, not prediction.
Trying to time markets is like planting today and expecting fruits tomorrow.

BONUS (Most ignored rule):
Focus on health & fitness.
Wealth without health is a hollow victory.
A healthy body lets you enjoy the wealth you worked so hard to build.

 The healt





hier you are, the more productive and financially secure you can become in the long run.

---

TO CONCLUDE

 “No one has ever achieved financial fitness

with a January resolution abandoned by February.”

 

These are not 2026 rules.

These are VEDA VAKYA for money — valid for life.

As Buddha said:

“No matter how hard the past, you can always begin again.”

 Not next year.  Not next month.

 Start today.

 If this made sense today, it will make sense forever.

Say NO to New Year resolutions.  Commit to Evergreen Wealth Resolutions.

 

— Srikanth Matrubai

AMFI REGISTERED MUTUAL FUND DISTRIBUTOR

 This post is for investor education only. No return promises. Suitability varies by individual.

 

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

💎 Is Jewellery a Smart Investment?

We all grew up hearing: “Buy gold, beta.”
But most of us ended up buying jewellery, not pure gold.
And that’s where the confusion — and disappointment — starts.
Every week someone proudly tells me,
“Sir, I bought jewellery… good investment for my future.”
Yes, jewellery is emotion, tradition, beauty.
But as an investment?
It silently erodes wealth in ways most people never calculate.
It's tempting to think of that beautiful necklace as a financial asset, but when we look closely, it's generally not a good investment. Here’s why, presented simply:

---

The Hidden Costs and Hurdles

• 1. The "Making Charges" Trap:

When you buy jewellery, you're paying for two things: the value of the pure metal (like gold) and the craftsmanship (labor/design cost). This craftsmanship fee, known as "making charges," can easily be 10% or more of the total price. Making Charges is money that evaporates the moment you step out of the store.
    What this means:
If you spend ₹1,00,000, only about ₹90,000 of that is the actual gold you own. The other ₹10,000 is a cost (Making Charges) you will never recover.
If an investment starts with -10%, is it really an investment?

 

• 2. The Selling Penalty: (They deduct money again!)

When you return to sell or exchange the jewellery, the jeweller again deducts 8–12% for:

• wastage
• melting
• impurities
• polishing

So now your ₹90,000 gold value becomes around ₹81,000.

Forget returns — you’re struggling to break even.

Gold has to appreciate 20%+ just for you to touch your original ₹1,00,000.

That's a very high bar for any investment.

• 3. The Drag of LOCKER cost:

·        Big-ticket jewellery means locker.
Locker means annual rent.
Annual rent is a leak — the kind of leak that looks small but destroys long-term compounding.

·        It’s like keeping money in a bucket with a tiny hole.
Slowly… silently… it keeps dripping.

Over time, they chip away at any modest gain the gold price might have made.

 

• 4. The Liquidity Problem (Will You Sell?):

A true investment should be easily and quickly convertible to cash. Most people buy jewellery for sentimental value (gifts, weddings, heirlooms). You might intend to sell it one day, but the emotional attachment or its role as a family piece often prevents you from doing so.
Most families never sell jewellery and even during emergency.. they will think 100 times before considering selling jewellery.

---

TO SIMPLIFY THE ENTIRE GIST….

Let's say the current price of gold is ₹50,000 per 10 grams.

Action	Cost/Value	Explanation
Buy Price	₹1,00,000	Initial cash outflow.
Less: Making Charges	- ₹10,000 (10%)	This cost is gone immediately.
Pure Gold Value	₹90,000	This is the actual metal value you own.
Sell Deduction	- ₹9,000 (10% of $₹90,000$)	Jeweller's deduction when you sell.
Final Cash Back	₹81,000	Your return if the gold price hasn't moved.

In this scenario, to get your original ₹1,00,000 back, the market price of gold must rise significantly to recover the ₹19,000 loss!

The Verdict

Enjoy your jewellery for its beauty, meaning, and pleasure. Treat it as a luxury expense or a treasured heirloom. So What Should You Do?

If you truly want to invest in gold — 3 smart choices exist:

✔ Sovereign Gold Bonds (SGBs)

• 2.5% assured interest
• No making charges
• No storage cost
• No capital gains tax after 8 years
• Pure, transparent gold exposure

✔ Gold ETFs

• Buy anytime, sell anytime
• No emotional bias
• No deductions
• Tracks gold price cleanly

✔ Gold Mutual Funds (FoFs)

• Simple like SIP
• No demat needed
• Easy and transparent

These are investments.
Jewellery is expenditure wrapped in glitter.

Final Thought

I’m not saying don’t buy jewellery.
Buy it. Enjoy it. Celebrate it.
But don’t call it “investment.”

Serious investors don’t mix emotion with wealth creation.
They separate fashion gold from financial gold.

And that’s why they stay ahead.

Build memories with jewellery.
Build wealth with smarter gold vehicles. #DontRetireRich

 All the best,

Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

This post is for educational purposes only.
(Disclaimer: Equity investments are subject to market risk. Contact your registered authorised partner).
 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/