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: https://www.instagram.com/kirtanshahcfp

LinkedIn: https://www.linkedin.com/in/kirtanshahcfp

Twitter: https://x.com/kirtanshahcfp

📲 Sanjay Kathuria Podcast Handles

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YouTube (Main): https://www.youtube.com/@SanjayKathuriaPodcast

YouTube (Clips): https://www.youtube.com/@SKPClips

🙋‍♂ Connect with Sanjay Kathuria

Instagram: https://www.instagram.com/financebysanjay

LinkedIn: https://linkedin.com/in/sanjaykathuria

YouTube: https://www.youtube.com/@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.

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