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Disclaimer: This video is intended solely for educational purposes, and opinions shared by the guest are his personal views. We do not intend to defame or harm any person/ brand/ product/ country/ profession mentioned in the video. Our goal is to provide information to help the audience make informed choices.
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00:00 – Intro
01:50 – India vs US
04:18 – How Much Money is Needed for Investment
08:15 – Active vs Passive Income
13:12 – FD vs Bonds
24:02 – Mutual Funds vs Gold
28:07 – Stocks vs Real Estate
38:37 – Rich Investing Secrets
41:31 – ChatGPT as a Financial Advisor
44:18 – Metro vs Non-Metro
52:34 – Can a Salaried Employee Become Rich in India?
58:08 – How Much Money is Enough in India?
01:00:12 – Avoid This Investment Mistake
01:05:40 – Bond Risks & Investment Secrets
01:12:45 – Outro
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In today’s episode, we have Ajinkya Kulkarni, Co-founder & CEO of Wint Wealth, a platform making debt investments accessible for Indians. With years of experience in finance, Ajinkya shares practical insights on how to start investing, what mistakes to avoid, and how ordinary people can build wealth over time.
We explore questions most people have about money: how much you need before investing, whether to focus on active or passive income, and the differences between FDs, bonds, stocks, gold, and real estate. Ajinkya explains how banks pay interest, why sure-shot returns are a red flag, and what role emergency funds and insurance play. He also discusses India versus the US as investment destinations, financial advisory access for salaried individuals, and how to identify scams in the market.
In the last segment, he breaks down strategies for first-time investors, including where to put money across high, medium, and low-risk options, and shares advice for young professionals who want to double their income by upskilling. The conversation also explores whether a person from a low-income background in India can truly achieve financial independence, and how much wealth is required to achieve it.
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LinkedIn: https://www.linkedin.com/company/wintwealth
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About Raj Shamani
Raj Shamani is an Entrepreneur at heart, which explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.
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About Figuring Out
Figuring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.
