I am Sharan Hegde, better known as Finance With Sharan.  Actively looking for super smart people to work with me- superdm.com/sharan

With 3.5 million+ subscribers on YouTube and 2.7 million followers on Instagram - you must have seen my entertaining finance videos pop up in your feed, but my LinkedIn is going to tell you a different story. Here I will share my entrepreneurial stories.

With a team of 150+ people, I am going to build my start-up ‘1% Club’ in public.

But before I tell you more, here is a little backstory

It started during my school days when I could not make it to my dream IIT (average Indian household story). That setback made me fiercely competitive. I carried that energy for the next few years of my life.

Fast forward to 2019, I picked up another goal of securing a promotion at my job as a management consultant. Without this promotion, MBA application would look bad. Two years of pure hard work and grind led to a massive 5% increment in salary with no promotion. 

There you go, setback number 2.

Next, I attempted CAT 2021 with the aim of IIM Bangalore in my heart, and if you didn’t see it coming already, this was setback number 3.

I'm sure my story resonates with millions of you guys. So what did I do next? I wrapped up all these learnings, treated failures as feedback, and evolved in an unconventional manner. This is how Finance With Sharan was born.

My mission to spread financial literacy and make it fun for others saw growth in leaps and bounds. Over the last 3 years, I have realized that there is a need to make finance simple and effective, and that is exactly what I am here to do.

Around 2 years back I started The 1% Club. an exclusive members-only community to help people achieve financial independence and become the top 1%. Financial independence is a superpower to never be controlled by money. Less than 1% of people can achieve in their lifetime. Even Kaun Banega Crorepati winners end up bankrupt. Clearly, there is a massive need for us to learn what our schools never taught us and The 1% Club is the solution to this problem.

Sharan Hegde

Jio BlackRock raised ₹17,800 crore in their first NFO.

In just 3 days.
That's more than most AMCs raise in a year.

I sat down with Sahil Chaudhary, Fund Manager at Jio BlackRock, to understand what makes this Fund any different.

And his answer was simple.
"It's like having Aladdin – BlackRock's comprehensive technology platform that integrates the entire investment management process through a central data source."

This isn't just another mutual fund launch.
Jio BlackRock expects India's mutual fund industry to triple by 2032. 
And they're positioning themselves to lead that growth with technology that's been refined over 40 years at BlackRock.

In this episode, Sahil breaks down:
– How to build a global portfolio if you had zero constraints (the ACWI Index framework) 
– Why sovereign wealth funds allocate 65-70% to US markets 
– Why mutual funds CANNOT be customized for YOUR personal risk appetite
– How AI is actually being used in fund management (not just marketing fluff)

Sahil also shared something that completely changed how I think about mutual funds: "The fund is part of your allocation. The fund is NOT the allocation."

Meaning: Asset allocation comes first. Fund selection comes later.
You need to understand YOUR circumstances before picking ANY fund.

Watch the full episode link in comments! 

P.S. Have you heard about Jio BlackRock Funds? What's your take on their AI-driven approach to investing

Founder & CEO, 1% Club | Forbes 30U30 | Helping India make better financial decisions

Gold just crossed ₹147,000.
So is it too late?

That exact question came up on my podcast.
I was speaking to Kirttan Shah, who manages over ₹2,500+ crores.

He bought gold at ₹48,000.
Exited at ₹90,000.
Yes, he doubled his money.

But his reason for buying gold had nothing to do with returns.
According to him, gold solves a portfolio problem no other asset can.

Here is how he explained:
• When equities fall, gold usually holds or rises
 • Gold is linked to the dollar, giving currency diversification
 • During market crashes, gold becomes the funding source to buy more equities
 • Over 20 years, gold has delivered 8–9% real returns plus ~3% currency benefit

His exact insight stayed with me:
If equity markets fall and you want to average down, the 10–20% allocation in gold that went up gives you the confidence and cash to act.

That is why professional portfolios behave differently:
When equities rise → Gold controls risk
When equities fall → Gold funds opportunity

The part most people ignore:
Gold can take 7–14 years to cross previous highs.
Which is why you never chase gold rallies.
You accumulate it when nobody is excited about it.

We break this entire framework in detail on the podcast.

Link in comments.

Do you hold gold in your portfolio? If yes, roughly what percentage?

#FinanceWithSharan

₹100 invested in Nifty 50 in 2012 → ₹430 today.
₹100 invested in Indian healthcare companies → ₹1,300 today.

13X returns vs 4.3X.
Yet nobody's paying attention.
Aditya Khemka , CIO of InCred Financial Services, manages Rs. 1500+ crores and has delivered 50%+ CAGR in healthcare investments.

His insight is simple but powerful:
Indians are spending more on healthcare every year. 
As per capita GDP crosses $2,500, people stop spending incremental income on food and clothes.
They spend it on looking better, living longer, and staying healthier.

Here's the arbitrage:
– D-Mart (food & beverage): 100X cash earnings
– Trent (clothing): 100X cash earnings
– Apollo Hospitals (healthcare): 48X cash earnings

Healthcare is growing faster but trading at HALF the valuation of slower-growing sectors.

And it has 5 decades of runway ahead.

In this episode of 1% Club Show, Aditya shares:
– Why healthcare will outperform every other sector for the next 50 years
 – The fatal mistake investors make with Nifty's 3% healthcare allocation
 – How he personally allocates his portfolio (30% healthcare, 30% gold/silver, 30% real estate, 10% cash)
 – And which Indian healthcare companies are positioned for explosive growth

He also explains why Sun Pharma, Cipla, and Dr. Reddy's (the "healthcare stocks" everyone knows) have delivered single-digit returns while the real winners are companies nobody talks about.

Watch the full episode in the comments below!

What percentage of your portfolio is in healthcare stocks?

I've always said: "Don't buy a house!"

For years, I've been the guy telling people to invest in equity, not lock up capital in illiquid real estate.

Ashwinder R. Singh has seen 30 years of real estate cycles. And his perspective hit me hard.

He said something that completely reframed how I think about asset classes:
"Calculate the returns on the property your grandfather bought 50 years ago. That's real estate's true horizon"

Everyone compares real estate to equity markets on a 5-year basis. 
That's the wrong game.

Real estate is about discipline, not timing.

Just like SIPs work because they force discipline, real estate works because you can't check prices every day and panic sell.

He also shared why the 2021-2025 boom happened:
Startup IPOs created millionaires who parked money in real estate (only way to save ESOP tax) 

Equity market profits got rebalanced into hard assets
Tier-2 cities like Goa, Chandigarh, Indore exploded

His advice for real estate investment:
– Minimum 10-year horizon if it's not your first home
– Expect 5% CAGR on average, with 2 major spikes giving you 25-50% returns
– Focus on behavior trends, not price predictions
– When markets go crazy (like the last 4 years), prepare for normalization

Watch the full episode : Link in comments

What's your biggest hesitation about investing in real estate?

#FinanceWithSharan #RealEstate

You don't put anything in the Indian markets?
"I do not."

Paritosh Mukhija, doesn't touch Indian stocks.
Not because he doesn't understand investing.
But because he's found something that consistently beats it.

Dubai real estate: 15-16% capital appreciation + 6% rental yield.
While paying only 4% mortgage interest.

The math is simple:
Buy at ₹90 lakhs → Rent covers your mortgage → Property appreciates to ₹1.35 crores in 2-3 years.

Your profit? ₹45 lakhs.
 Your downpayment? Just ₹9 lakhs.

That's 500% return on your actual cash invested.

In this episode of 1% Club Show, Paritosh breaks down:

– How to pick high-growth areas in Dubai before prices explode
– Why off-plan properties give you 10x better returns than ready units
– The exact developer quality checklist he uses before investing
– Why villas and townhouses are more resilient than apartments
– And the free research tools anyone can use to analyze the Dubai market

He also shares why he keeps 70% of his wealth in real estate and only 30% in everything else.

Link to the full episode is in the comments.

What percentage of your portfolio is in real estate?

#FinanceWithSharan

₹45,000. Gone. Every Single Month.

That was my rent in Indiranagar, Bangalore when I was still figuring out my life.

I'd sit in that tiny apartment, transfer the money to my landlord, and watch it disappear from my account.

No trace. No benefit. Just... gone.
My friends with home loans? They were building equity. 
My parents back home? Couldn't understand why I was "throwing away" so much money.

And honestly? Neither could I.

But here's what hurt more than the money
When I moved to Mumbai a couple of years ago, I had to prove myself all over again.
Salary slips. Bank statements. Guarantor signatures.
Like the last 3 years of paying ₹45K religiously meant nothing.

I remember standing in a potential landlord's living room, watching him scrutinize my documents like I was applying for a loan, not just asking to rent his property.

That's when it hit me: In India, we treat rent like a necessary evil instead of what it actually is: "The single biggest proof of your financial discipline"

Fast forward to today → I pay over a lakh in rent in Mumbai.
But I'm done letting it be a dead expense.

Last month alone, I earned 13,600 airline miles just by paying rent through RentenPe. That's a free Mumbai-Goa flight I didn't even plan for.

But that's not even the best part.
RentenPe built something that should have existed years ago - India's first Rent Credit Score.

Every time you pay rent through them, you're building your R Score™.
So the next time you move cities (or finally move out of that shared flat), you don't beg landlords to trust you.

You show them your track record.
Your verified payment history. Your rental discipline. All in one score.

The math is simple:
0.85% convenience fee (₹425 on ₹50K rent)
Credit card rewards often cover it
You earn miles/cashback on money you have to spend anyway

You build a verified rental history that actually matters.
Plus, win up to 1 month's rent free after 11 payments.

I wish this existed when I was in that Bangalore apartment, watching my parents worry about me "wasting" money on rent.

But it exists now.

And if you're already paying rent every month, you'd be leaving money (and future opportunities) on the table by not using it.

Download RentenPe and start building your Rent Score today. Link in comments.

P.S. If you're splitting rent with roommates right now, start building your credit score now. Future-you (when you're ready to rent solo or apply for that home loan) will thank you.

No income tax reduction. No major relief for salaried professionals. Markets crashed 400 points.

Budget 2026 disappointed millions yesterday.

But here's what most people missed:
The government just sent a clear message – India is shifting from a trading economy to an investing economy.

In today's Budget Special episode, I sat down with CA Nitesh Buddhadev and Feroze Azeez to decode what Budget 2026 really means for you.

Here's what we discussed:

Why markets fell despite a "stable" budget: 
– STT on F&O increased from 0.02% to 0.05% (150% jump) 
– Interest deductions on borrowed capital removed 

Clear signal: Government wants long-term investors, not short-term speculators

The good news everyone's missing: 
– TCS on foreign spending reduced from 5% to 2% (traveling abroad just got cheaper) 
– TCS on education/medical abroad: Slashed from 20% to 2% 
– ITR filing deadline extended to August 31st for ITR 3 (one extra month!) 
– ₹1000+ crore black money recovered through compliance drives

What this means for you: 
If you're a trader, your costs just went up significantly. 
If you're a long-term investor, this budget created buying opportunities as traders exit.

The government is playing the long game – iPhone assembly lines, AI infrastructure, 2047 vision. 

They're not focused on short-term tax relief.

Watch the full Budget 2026 breakdown: Link in comments

Are you a trader or an investor? Drop your thoughts below.

#FinanceWithSharan

Started Pillow Insurance last year as a passion project. Didn’t expect to help 50,000+ families in just 12 months. Thank you for believing is us 😇

We are here to make insurance simple, honest & transparent. Thank you for trusting us. Now you can SLEEP WITH EASE with Pillow Insurance

Glad We Could Help

Passionate about building products that solve real-world problems and deliver measurable business value.

As an Analyst at Waste Management, I’ve developed a strong foundation in data analysis, process optimization, and stakeholder collaboration. My journey has helped me understand how customer needs, technology, and strategy come together to create impactful solutions.

Recently, I earned my SAFe® Agile Product Management certification, which strengthened my ability to connect vision with execution — from identifying market opportunities to defining features and enabling Agile teams to deliver value at scale.

I’m now excited to take the next step in my career toward Product Management — where I can combine my analytical mindset, business understanding, and Agile knowledge to help organizations build products that users love.

💡 Core Skills: Product Management | Product Ownership | Agile & SAFe Framework | Business Analysis | Market Research | Stakeholder Management | Data-Driven Decision Making.

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