Investment Tips From My Personal Advisor And The Co-Founder Of – Sandeep Jethwani

Investment and financing are the talks of the hour these days. There are countless videos on investing and finance tips out there. But, the guest for this conversation is an expert in the investment industry and also manages investments ranging from 50 thousand rupees to 50 crores rupees per month.

Sandeep Jethwani, co-founder of Dezerv, a company that manages investment portfolios. Honestly, most of my money is managed by portfolio management companies. He is someone who gives me financial advice and I hope this conversation helps you as well in financing.


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India’s Financial Growth

Sandeep Jethwani is in the wealth management space.  My first question to him was where is India at when it comes to the world of finance?


“There is something called the Gini coefficient. It talks about the concentration of wealth in the hands of limited people. About 2 decades back, 1% of India was holding around ¼th of India’s wealth and now, 1% holds ⅓rd of India\’s wealth”.  

“One thing that this 1% does right is to have assets that earn for them, such as business. These assets will grow with time and multiply the capital. Buying a house or putting money in FD is to maintain our wealth. For growth invest in stocks, funds, etc which grows over time”. 


Why Is Personal Financing Necessary?

 In an era when 60 is the new 30, personal financing is crucial. I asked him how teenagers or young professionals should look at lifelong financing?

“Life-spam of people is increasing. The old target was to have around a crore before retirement and this amount is keeping inflation in mind. In the USA, it is seen that people run out of money in their older age, but they have social security. India doesn’t. Not everyone has pension services. As of now, your target should be around 5 crores. Saving is important, but investments have become more important”.


Case Studies

I asked Sandeep sir, what are the various investment options available for different amounts in savings accounts?

(Amounts listed below are your monthly savings)

  • 5000 rupees- Focus on keeping the money for emergency purposes. Make sure your emergency fund (i.e. basic necessity) is taken care of only then plan to invest.
  • 50,000 rupees- Invest in mutual funds, and depending on the risk that you can tolerate, invest in growth assets.
  • 5 lakh rupees- Invest a certain amount of money in equity mutual funds, which will compound over some time. 
  • 1 crore rupees- Invest in pre-IPO, start-ups, and global assets (investing in options outside India)


Types of investments

  • Mutual Funds- equity funds, debt funds, hybrid funds, international funds, gold funds
  • Equity-Equity has subclasses, index, large-cap funds, mid-cap funds, and small-cap funds. 

“The ideal way to invest in mutual funds would be to get an expert. If you don’t want an expert, you need to learn about the market first and understand which would be the best option for you depending on the amount of money you want to invest and the risk that you can tolerate”. 


Best Way to Invest

What would be your investment tips for someone who has 50 lakhs in their bank account?

“Imagine, if you have 100 rupees to invest, 70% should be in your core portfolio. A core portfolio is an investment where the amount multiplies, but it is liquid which means you can pull it out in 2-3 days’ notice”. 

“Once your core portfolio is complete, you can invest in private equity, global hedge funds, high yield with fixed returns”. 


Difference Between Private Equity and Stocks 

“In both cases, you\’re buying shares of a company, but in stocks, you have the option of selling your shares whenever you want. In private equity, there is no secondary market to sell. Exiting from this is not under your control”. 

  • Pre IPOs- These are for companies just before it is to be listed. Safest within private equity. Risky as an asset class. 
  • Late-stage equity- Mature companies but not ready to go towards IPO.
  • Mid-stage equity- Companies that have just turned profitable. 
  • Early-stage equity- Started 3-4 years before. Still requires capital.
  • Seed- Just idea and the team. Company yet to form. Most risky.


Qualities of Best Financial Advisor

“Great financial advisor would understand you first. Personalizing investments based on the individual is necessary”. 


Should You Follow YouTube Advice For Financing?

“With the growth of YouTube, people are becoming open to the conversation of money. In earlier days, people never spoke about money and investments openly. In saying that, the knowledge shared on YouTube about finance is more generic as they are unaware of what your portfolio is like or how much risk you can handle”. 


Why Is Investment Necessary?


“Reinvention is seen with a huge amount of YouTubers and Actors to stay relevant. Even an average person has times when he has to reinvent himself. You never know when things will turn around, so you need some amount of investment kept aside for times like these. 


Ambani and Adani’s Investment 

My last question is do people like Ambani, or Adani do with their money?


“For them, it is beyond money now, beyond returns. Once you reach a certain age and stage, you care little about the next 5 or 10 crores. It is more about what impact you create. They want to just create a legacy”. 


I had fun recording this and even got to learn a lot of things about money. People pay for learning about finances and investments. Our goal with TRS is to provide such knowledge for free. 


Thank you for reading. See you soon.


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