In 2008, he had 0 active SIPs. He then started investing 20% to 25% of his salary into SIPs and scaled it to 30% to 40% after 2013. He started with around ₹20,000 to ₹25,000 per month and now invests over ₹1 Lakh every month. He built his first ₹1 Crore at the age of 36 and took ~15 years to get there. His N100 ETF investment from 2013 has delivered a 12x to 13x return today. On my podcast, @akhilchat (Executive Director & Chief Business Officer, Motilal Oswal) shared how he personally approached his asset allocation and SIPs over the years: → He believes in moving 30% to 40% of a portfolio directly into international markets. → His sweet spot for stability is around 60% for Indian Equity, 20% to 40% for International funds, and 5% to 10% in Gold. → He prefers investing in the US to capture the Innovation Premium of global tech giants that aren't listed in India. → He buys into global markets to directly access AI and semiconductor megatrends, diversifying his domestic risk. → He focuses on a 15-year horizon so that the compounding picks up after the first ₹1 Crore picks up. → Interestingly, he actually opted out of standard PF to redirect every saved rupee into high-growth Equity SIPs. This episode is powered by @_groww . Check out the full episode on YouTube. #investing #wealth #mutualfunds #kushallodha