Disclaimer: This conversation is for educational purposes only. It is not financial advice. Please consult a registered financial advisor before making investment decisions.
Beginner to Pro Investing Masterclass | Mutual Funds, ETFs & EMI Trap | Ft. Kirtan Shah | EP07
In this episode of the Sanjay Kathuria Podcast, we sit down with Kirtan Shah — financial educator, wealth management expert, and Founder & CEO of Credence Wealth & FPA Edutech. With over a decade of experience, Kirtan has helped thousands improve their financial literacy and make informed money decisions.
A former Executive Director at a BSE-listed NBFC, Kirtan has extensive expertise in banking, markets, and treasury operations. He has been recognised with the BW 40 Under 40 Award and the Young Entrepreneur Award, and frequently appears on CNBC, Zee Business, and ET Now.
This conversation covers beginner-to-advanced investment principles, financial planning across life stages, and the mindset needed for long-term wealth creation—while highlighting the importance of risk awareness and informed decision-making.
What You’ll Learn:
✅ Practical steps for better money management
✅ How to plan investments at different life stages
✅ Passive income ideas and their risks
✅ Beginner’s guide to mutual funds & debt funds
✅ How to avoid falling into the EMI trap
📌 Timestamps
00:00 – Podcast Teaser
02:58 – Guest Introduction
03:28 – Learning from Past Investment Mistakes
09:00 – Financial Planning on a ₹30K Salary
17:28 – Beginner’s Guide to Investing
29:54 – Understanding Risk Assessment
33:37 – Key Steps Before Starting Investments
40:25 – Planning for Your 40s
42:47 – Strategies to Close Home Loans Faster
48:48 – Planning for Your 60s
53:45 – Advice for GenZ
57:51 – Importance of Budgeting
59:40 – Right Age to Buy a House
01:03:07 – Cautionary Notes on Real Estate Schemes
01:07:43 – Home-Buying Tips
01:09:10 – Understanding Bonds as an Option
01:16:17 – Safer Alternatives to FDs
01:18:17 – Debt Mutual Funds Explained
01:21:16 – Tax-Saving Mutual Funds Explained
01:24:52 – Passive Income Ideas & Considerations
01:30:45 – Reality of PMS & AIF
01:43:17 – Overview of Mutual Funds
01:56:45 – Should You Invest in Global Funds?
02:09:50 – Understanding ETFs
Hashtags:
#KirtanShah #FinancialEducation #InvestingInIndia #WealthBuilding #PersonalFinance #SKPodcast
Tags:
kirtan shah podcast, mutual funds explained, personal finance india, stock market basics, wealth building tips, financial literacy india, how to plan finances, investing in 20s india, emi trap explained, financial planning india, long term wealth india, safe investing strategies, debt mutual funds, passive income ideas india
📲 Guest Socials
Instagram: / kirtanshahcfp
LinkedIn: / kirtanshahcfp
Twitter: https://x.com/kirtanshahcfp
📲 Sanjay Kathuria Podcast Handles
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🙋♂ Connect with Sanjay Kathuria
Instagram: / financebysanjay
LinkedIn: / sanjaykathuria
YouTube: / @sanjay_kathuria
📚 About the Podcast
The Sanjay Kathuria Podcast brings you India’s most impactful founder stories, financial insights, and business lessons—helping you make smarter money and career decisions.
📌 Subscribe to never miss an episode:
/ @sanjaykathuriapodcast
Disclaimer:
This video is for educational purposes only and is not financial or investment advice. I am not a SEBI-registered advisor. Investments in stocks, mutual funds, real estate, digital assets, and other instruments involve risk, including possible loss of capital. Past performance is not a guarantee of future results. Please do your own research and consult a SEBI-registered financial advisor before making investment decisions.
Some links may be affiliate links; I may earn a commission at no extra cost to you. All sponsorships or promotions will be clearly disclosed. Viewers are responsible for their own tax and regulatory compliance.
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