How to Invest Like the Top 1% for Wealth Building | Feroze Azeez | Sanjay Kathuria Podcast #053

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How to Invest Like the Top 1% for Wealth Building | Feroze Azeez | Sanjay Kathuria Podcast #053

In this episode of the Sanjay Kathuria Podcast, we host Feroze Azeez, Joint CEO of Anand Rathi Wealth Limited, one of India’s leading wealth management firms managing over ₹1,00,000+ crore AUM for 13,000+ HNI families .

With more than two decades of experience in private banking and portfolio management, Feroze Azeez shares a complete wealth management masterclass for Indian investors. From building your personal balance sheet to choosing the right mutual funds, understanding asset allocation, and creating passive income after retirement, this conversation breaks down how professionals manage money for India’s richest families.

In this deep-dive discussion, we cover financial planning for people in their 20s, 30s, and 40s, the truth about mutual funds vs AIF, how to select the right funds using data instead of hype, why past performance is misleading, and how investors can build long-term wealth while managing risk.

📘 What You’ll Learn

✅ What wealth management really means for investors
✅ How to create your personal balance sheet
✅ Importance of income and expense mapping
✅ Financial planning for people in their 20s
✅ Why past mutual fund performance is misleading
✅ 3 parameters every investor must track
✅ Risk management strategies used by professionals
✅ Best mutual fund categories for 2026
✅ Whether crypto should be part of your portfolio
✅ Passive income strategy after retirement

⏱️ Timestamps

00:00 – Podcast Teaser
01:30 – Guest Intro – Feroze Azeez
03:17 – From Teacher to Wealth Manager
06:17 – Rs 0 to Rs 1 Lakh Crore AUM Journey
06:32 – What is Wealth Management?
08:56 – How to Start Financial Planning
10:14 – How to Create a Personal Balance Sheet?
11:37 – Why Income & Expense Mapping Matters
12:30 – Understanding Your Liabilities
13:44 – What is Financial Independence?
14:30 – Financial Planning for a 25 Year Old
16:35 – Fake It Till You Make It is WRONG
19:07 – How Should a 23 Year Old Should Invest?
23:18 – Are Mutual Funds ENOUGH for Entire Life?
24:11 – Why are Mutual Funds better than AIF?
26:51 – Life Cycle Funds Explained
29:20 – How to Select the RIGHT Mutual Fund?
31:54 – Why Past Performance is USELESS
32:42 – Anand Rathi’s Secret Formula Revealed
37:33 – Holiday NAV Concept Explained
41:20 – Target NAV as a Tie Breaker
43:22 – 3 Parameters Every Retail Investor NEEDS
46:40 – Risk Management Secrets from Nobel Winners
50:25 – Why Popular Funds are in Losses?
53:28 – Why Some funds are performing well?
58:47 – Why is Elon Musk Listing SpaceX?
01:00:30 – Should You Invest in Crypto?
01:04:30 – International Investing for Indians
01:06:53 – Financial Planning for 35 to 45 Age Group
01:10:14 – Should You Buy Real Estate or NOT?
01:11:32 – How to Create Passive Income After Retirement?
01:14:12 – Best Strategy for Lump Sum Investing
01:17:38 – Feroze Azeez Personal Asset Allocation
01:19:35 – Biggest Money Mistakes to AVOID
01:21:10 – How to Build a Career in Wealth Management?
01:24:13 – What Scares a Rs 1 Lakh Crore Wealth Manager?
01:25:23 – Cheapest HEDGE in 20 Years Right Now
01:26:46 – Right Mutual Funds for 2026
01:27:48 – Episode Outro

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🧵 Hashtags

#FerozeAzeez #WealthManagement #MutualFundsIndia #FinancialPlanning #PassiveIncomeIndia #InvestingIndia #StockMarketIndia #SanjayKathuriaPodcast

If you want to learn how India’s top wealth managers build portfolios, manage risk, and create long-term passive income strategies, this episode is a must-watch.

📬 Want to Come on Our Podcast :
Email Us : Sanjaykathuriapodcast@gmail.com

📚 About the Podcast

The Sanjay Kathuria Podcast brings you India’s top investors, entrepreneurs, and wealth creators. Learn how the top 1% manage and multiply money in simple, actionable ways.

📌 Subscribe now for weekly episodes:

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40 COMMENTS

  1. This all guys are big fekoos, there are 200-300 good companies out of 7000 listed companies in equity market, all mutual funds do invest in that only, they all rotate in between – most of companies and do try for best out come, even companies like Reliance- Infosys- HDFC they don't even know about their quarterly business out comes and this jokers claims that they do have parameters to know about Mutual funds outcomes ?? Mutual funds house do handle AUM of 5000 cr to 5 lac cr and they don't have idea about their performances? This people will charge 2 to 3 % , to earn 3-5% more then market?? They are making us fool.How does a teacher without financial degree can handle such big financial responsibilities? And with which parameters do they rotate in between different Mutual funds or companies? How do they study companies?

  2. You said that normal people should not see the past return or history then what is the right way to select the correct mutual fund , what's the parameters, what should see when a Normal person choose the MF

  3. Kuch bhi. Keep each IPL team as a factor and you will get top 3 when they won market/stock will be up most of the time. Does it mean you rely on it? This is like gambling with others money

  4. This was super informative. I loved his behavioral finance narration. I would like to see Sandeep Tandon from quant mutual fund. But please us podcast ko Hindi mein karna. Sandeep sir ka investing framework hai VLRT model. Agar aap uspar unse poochhenge, all the viewers will get a lot of information and learning. Thank you Sanjay Ji. I really like your concept of asking questions to your guests, keeping it simple yet engaging lwithout using finance jargons. God bless you.

  5. I gave 2lacks 12 years back to Anand Rathi firm and their trader took 25 days to make it zero, he first made 70k zero then asked more to recover, I paid more and more and finally stopped at 2lacks losses and told him that I Quit trading. After 8 years started mutual funds and getting stable returns of 18% Xirr.
    Don’t go for Anand Rathi firm- they don’t take responsibility of their trader also.
    Pls note – Not blaming Firoz bhai here, it’s ground staff and sales manager who played the game with me by giving false promises.

  6. Sanjay sir
    Best of the bestest podcast in mf. I heard kirtan, gajendra sir and you but this is out of the world. I also met you in singulars event in dubai.
    God bless you sir❤️❤️🎊🎊

  7. इसमे कोई शक नही है की फिरोज जी को बहुत ही ज्यादा नॉलेज है लेकिन हम जैसे नॉर्मल लोगों को ये सब भाषा समझ के परे है और थोडा इझी करके समझा देंगे तो बहुत अच्छा रहेगा इनका और पॉडकास्ट लेके आये

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