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(00:00) – Intro
(01:50) – India vs US
(04:18) – How Much Money is Needed for Investment
(08:15) – Active vs Passive Income
(13:12) – FD vs Bonds
(24:02) – Mutual Funds vs Gold
(28:07) – Stocks vs Real Estate
(38:37) – Rich Investing Secrets
(41:31) – ChatGPT as a Financial Advisor
(44:18) – Metro vs Non-Metro
(52:34) – Can a Salaried Employee Become Rich in India?
(58:08) – How Much Money is Enough in India?
(01:00:12) – Avoid This Investment Mistake
(01:05:40) – Bond Risks & Investment Secrets
(01:12:45) – Outro
In today’s episode, we have Ajinkya Kulkarni, Co-founder & CEO of Wint Wealth, a platform making debt investments accessible for Indians. With years of experience in finance, Ajinkya shares practical insights on how to start investing, what mistakes to avoid, and how ordinary people can build wealth over time.
We explore questions most people have about money: how much you need before investing, whether to focus on active or passive income, and the differences between FDs, bonds, stocks, gold, and real estate. Ajinkya explains how banks pay interest, why sure-shot returns are a red flag, and what role emergency funds and insurance play.
In the last segment, he breaks down strategies for first-time investors, including where to put money across high, medium, and low-risk options, and shares advice for young professionals who want to double their income by upskilling. The conversation also explores whether a person from a low-income background in India can truly achieve financial independence, and how much wealth is required to achieve it.
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LinkedIn: https://www.linkedin.com/in/ajinkyamkulkarni/
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Instagram: https://www.instagram.com/wintwealth
LinkedIn: https://www.linkedin.com/company/wintwealth
About Raj Shamani
Raj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.
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About Figuring Out
Figuring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.
