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This week on Finance With Sharan, we sat down with Feroze Azeez, joint CEO at Anand Rathi Wealth and one of India’s most grounded finance experts.
He’s the guy who manages crores for India’s elite but still explains money like he’s talking to you over chai.
In this episode, Feroze breaks down the uncomfortable truth about Indian investing, why people earning ₹1L/month still feel broke, why “safe” investments silently kill returns, and how most investors are rich on paper but poor in peace.
Feroze doesn’t sugarcoat.
He talks about building wealth like an engineer; with logic, not luck.
From tax traps to insurance scams to what a real ₹1 crore portfolio should actually look like, this episode is packed with insights every Indian earner needs to hear.
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We talked about:
🏠 Renting till 45, getting mocked… then buying 4 floors with the money saved.
💭 Selling bad funds, owning up, and rebuilding trust.
💰 How ₹1L/month can still lead to financial freedom, with math, not miracles.
📉 Why most “35% CAGR” claims fall apart under real math.
💸 The trap behind “safe” returns and guaranteed plans.
📊 Building a portfolio that’s structured, not scattered.
🔒 Insurance ≠ Investment, knowing the difference.
⚖️ The peace-first approach to asset allocation.
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Timeline:
[00:00] Intro & highlights
[01:12] Why Indians fear equity but trust bad advice
[04:25] The ₹1 crore myth that keeps people stuck
[08:17] Are mutual funds overrated?
[12:44] What the wealthy actually do differently
[20:39] Debt, SIPs & insurance — what to keep, what to drop
[27:55] How to legally save tax with better structure
[34:23] Feroze’s personal investing framework
[42:10] The mindset shift that separates rich from comfortable
[50:41] Building long-term peace, not short-term profit
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It’s not another “get rich” episode.
It’s the hard truth about money most people figure out after losing it.
If you’ve ever wondered why you’re earning more but still not getting ahead — this conversation is your mirror.
Sharan Hegde is a personal finance creator & founder of 1% Club, featured across India’s top finance media.
Subscribe for conversations that simplify money, markets, and the madness of the middle-class grind.
#Finance #Investing #Taxes #India #Wealth #PersonalFinance #1PercentClub
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12:08 Am I the only one who paused here to realize that the AI's XUV grill design is looking better than the one which got unveiled now?
AnandRathi bangalore chapter burned my 50% PMS investment in 2 years , they are absolutely duffers a layman can perform much better than them 🤦🏻
HDFC flexicap
Invesco Multicap
Quant Largecap
Kotak Emerging – Midcap
Invesco smallcap
49:00
Great explanation ❤
This is by par the wasted discussion I have spent my time in recent past. Everyone have different opinion, maybe these guys somehow hypnotises middle class guys to watch their fantasy Vedios and be in dream world before they reach their goal using middle class attention and time.
Guys these don’t even know what middle class guys go through in first hand. Work on your financial knowledge, it’s a must for all adults.
What happens when everyone buys when it is time to buy and sell when it is time to sell
Ye gyani baba ko pucho, kya if you consider yourself a Muslim 😂 if so, he is doing haram thing- taking or giving interest on money or loan is haram in his majahab😂😂sala, aajkal bharat me koi bhi finace ka gyani hua he. Sala, bahot aramse networth skyrocket hogaya he inaka and they think they know finance. Bhai, let fiat currency system end and i want to see these idiots bragging about cagr and growth and compounding 😂😂😂
Sala, aajkal ye Bharat me finance ke gyan batanewale bahot paida hogaye he achanak se. Inn logone sirf invest kiya and they were lucky to not take out their capital. Abhi unako lagata he ki unako finance ka gyan agaya😂😂😂 sala, crorepati hona bharat me bahot easy he. Lekin inn salon ko samz nahi ata ki real assets like land real estate ki values currency depreciation ki vajah se hui he… which is actually due to stock market and all compounding you see😂😂😂😂
https://youtu.be/uzM0NkxvOW0
https://youtu.be/uzM0NkxvOW0
Salary budgeting idea's
https://youtu.be/uzM0NkxvOW0
Entire anandrathe employees are in comment section 😂
Thanks for the great learning
1. NO PERSON WITH 3 LAKH SALARY WOULD TAKE A HOUSE WHOSE EMI IS 5 LAKH.
Middle class is one who earns 5 lacs p a
😂😂 that's not how it works in india bro 4:32
The first Finance Podcast which makes sense, bring this guy back again for Part 2
Excellent podcast. 🎉🎉🎉 Need more live examples by financial exercises with proper case study. 😊 Need many more expert opinion by same case study, so that one can invest wisely. ❤❤❤ Thank you so much for the podcast. ,
One of the best podcasts in MF❤
Wealth manager OR Salesman 😅
Didn't had these clarity on bitcoins before, thanks a lot for simple explanation.
Too many ads in the video … disturbs the focus 😞🤯😢😠
Anand rathi is a fraud🤬🤬
I am planing to retire by dec 2026 and I want to invest one crore . I have my monthly expenses covered by other income like rents . I just need money for better quality of life like travel etc. certainly not for any goal as I am now free from responsibility.
What is the best way to invest .i can have yearly or any form of withdrawal. What percentage with draw is best percentage. Please help me.
His caste people dont pay tax. He didnt tell him to encourage them
You should have let him explain what is structured product
You can say , u r viewers can't offered 1 Cr
Dumb people still following scammer..
Another great one! I completed three podcasts today and feel like I’ve learned a lot. You’re doing a phenomenal job, Sharan!!
Voice is awesome
This dude did MBA from a tier 3 college in India in 2002. There's no way he spent 1cr on his MBA. Plus he has never worked in the west, so what's with the fake accent?
Excellent insights! Thanks Feroze & Sharan.
he doesnt look like 45 at all