The Real Strategy to Getting Rich in the Next 3 Years.
In this episode of The Net Worth Show, we sit down with Krishan Sharma, Founder of FinatoniQ. Drawing on his investing journey since 1992 — including a decade of losses buying stocks that no longer exist, a mutual fund NAV crash that forced him to borrow money for his own wedding, and the moment discovering Daniel Kahneman's behavioural economics changed how he invests — he breaks down why markets are unpredictable but investor behaviour doesn't have to be.
This conversation is a practical guide for anyone looking to understand personal finance in India, mutual fund investing, asset allocation, investor psychology, market cycles and long-term wealth creation.
The episode covers why FIIs pull money out of Indian markets, how to actually read market ups and downs, goal-based asset allocation, how to choose the right mutual fund, the psychology of portfolio rebalancing and why conviction matters more than timing the market.
⏰ Time Stamps
00:00 - Intro
00:55 - How Should an Investor Analyze News?
04:51 - What Did You Do With Your First Salary?
09:50 - How Has Your 30-Year Investing Journey Been?
16:15 - What Fund Is Right for a 5-Year Goal?
19:01- Is This Mindset Only Learned Through Experience?
25:04 - What Should a 25-Year-Old's Next 20 Years Look Like?
26:52 - What's the One Lesson Listeners Should Take Away?
💡What you will learn:
• Why markets are non-linear and can fall without warning, and why reacting to news is a losing strategy
• The real reason FIIs pulled money out of India, explained through global interest rate cycles
• Why investing is "an imagination exercise, not a feeling exercise"
• What decides long-term Nifty and Sensex returns, and why 11-12% is a realistic benchmark
• How Daniel Kahneman's behavioural economics changed the way he invests
• Goal-based asset allocation: how to match your money to liquid funds, bond funds, hybrid funds or equity funds based on when you'll need it
• How to choose the right mutual fund: fund history, AUM flows during market downturns, and up-capture and down-capture ratios
• Why portfolio rebalancing feels painful in the short term but wins over a 10-year horizon
• Why investment losses are finite but profits are infinite, explained with a simple stock example
• A practical framework for a 25-year-old to become financially free through disciplined saving and investing
• Why conviction, not timing, is the real driver of long-term wealth creation
📌 If you are looking to build long-term wealth, understand market cycles, investor psychology, asset allocation or mutual fund investing in India, this conversation is packed with practical insights.
This episode will be especially useful for salaried professionals, beginner investors, mutual fund investors and anyone looking to build a long-term investment mindset for financial freedom in India.
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#PersonalFinance #MutualFunds #InvestorPsychology #SIP