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👉VIDEO INTRODUCTION:
In this episode of the Indian Business Podcast, we sit down with Anshul Gupta, the co-founder of Wint Wealth, a platform revolutionising access to bonds for retail investors in India. The conversation is a masterclass in personal finance for Indians in their 30s, covering how to build a solid financial foundation with term insurance, health insurance and emergency funds, even if you missed these steps in your 20s. Anshul breaks down common money traps from over-leveraging on home loans to chasing unrealistic multi-bagger returns and offers a balanced portfolio strategy mixing equity, fixed income, gold and real estate. He explains why equity returns are tied to India’s nominal GDP growth, why spousal income parity impacts household harmony and how bonds have evolved into an accessible, reliable fixed-income option through platforms like Wint Wealth. For anyone navigating rising family expenses, planning for retirement or simply seeking stability in volatile markets, this episode is packed with practical, no-nonsense insights.
Timestamps:
00:00 – Intro
02:04 – Why Your 30s Decide Your Financial Future
08:51 – The Mindset Gap When Couples Earn Unequally
11:09 – How Marriage Changes Financial Decisions
13:26 – Expenses Across Your 20s, 30s & 40s
15:04 – 3 Money Traps Most Hit in Their 30s
21:53 – Upgrading Lifestyle: Wise or Wasteful?
24:14 – Simple Rule for Term Insurance Cover
28:26 – How Ditto Is Redefining Insurance Advice
30:38 – Picking the Right Health Insurance Plan
32:17 – Why Most in Their 30s Lack an Emergency Fund
35:51 – How Much Emergency Fund You Actually Need
39:27 – Downsides of Living Too Frugally
42:04 – Non-Negotiable Costs After 60s
49:12 – Breaking Down a Long-Term Investment
59:45 – The importance of Gold
1:01:18 – Best Fixed-Income Options Today
1:02:54 – 10-Year Evolution of India’s Bond Market
1:07:36 – Risks to Watch in Bond Investing
1:09:47 – Senior Secured Bonds: What & Why
1:12:27 – Nitin Kamath’s Path to Wint Wealth
1:15:25 – How Zerodha Chooses Companies to Back
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