Wealth Building Secrets Revealed for Middle Class | Feroze Azeez | Sanjay Kathuria Podcast EP53

In this episode of the Sanjay Kathuria Podcast, we host Feroze Azeez, Joint CEO of Anand Rathi Wealth Limited, one of India’s leading wealth management firms managing over ₹1,00,000+ crore AUM for 13,000+ HNI families .

With more than two decades of experience in private banking and portfolio management, Feroze Azeez shares a complete wealth management masterclass for Indian investors. From building your personal balance sheet to choosing the right mutual funds, understanding asset allocation, and creating passive income after retirement, this conversation breaks down how professionals manage money for India’s richest families.

In this deep-dive discussion, we cover financial planning for people in their 20s, 30s, and 40s, the truth about mutual funds vs AIF, how to select the right funds using data instead of hype, why past performance is misleading, and how investors can build long-term wealth while managing risk.

📘 What You’ll Learn

✅ What wealth management really means for investors

✅ How to create your personal balance sheet

✅ Financial planning for people in their 20s

✅ Why past mutual fund performance is misleading

✅ Risk management strategies used by professionals

✅ Best mutual fund categories for 2026

✅ Passive income strategy after retirement

⏱️ Timestamps

00:00 – Podcast Teaser

01:30 – Guest Intro - Feroze Azeez

03:17 – From Teacher to Wealth Manager

06:17 – Rs 0 to Rs 1 Lakh Crore AUM Journey

06:32 – What is Wealth Management?

08:56 – How to Start Financial Planning

10:14 – How to Create a Personal Balance Sheet?

11:37 – Why Income & Expense Mapping Matters

12:30 – Understanding Your Liabilities

13:44 – What is Financial Independence?

14:30 – Financial Planning for a 25 Year Old

16:35 – Fake It Till You Make It is WRONG

19:07 – How Should a 23 Year Old Should Invest?

23:18 – Are Mutual Funds ENOUGH for Entire Life?

24:11 – Why are Mutual Funds better than AIF?

26:51 – Life Cycle Funds Explained

29:20 – How to Select the RIGHT Mutual Fund?

31:54 – Why Past Performance is USELESS

32:42 – Anand Rathi's Secret Formula Revealed

37:33 – Holiday NAV Concept Explained

41:20 – Target NAV as a Tie Breaker

43:22 – 3 Parameters Every Retail Investor NEEDS

46:40 – Risk Management Secrets from Nobel Winners

50:25 – Why Popular Funds are in Losses?

53:28 – Why Some funds are performing well?

58:47 – Why is Elon Musk Listing SpaceX?

01:00:30 – Should You Invest in Crypto?

01:04:30 – International Investing for Indians

01:06:53 – Financial Planning for 35 to 45 Age Group

01:10:14 – Should You Buy Real Estate or NOT?

01:11:32 – How to Create Passive Income After Retirement?

01:14:12 – Best Strategy for Lump Sum Investing

01:17:38 – Feroze Azeez Personal Asset Allocation

01:19:35 – Biggest Money Mistakes to AVOID

01:21:10 – How to Build a Career in Wealth Management?

01:24:13 – What Scares a Rs 1 Lakh Crore Wealth Manager?

01:25:23 – Cheapest HEDGE in 20 Years Right Now

01:26:46 – Right Mutual Funds for 2026

01:27:48 – Episode Outro

🔗 Guest Socials

Youtube : https://www.youtube.com/channel/UC-zjWG1XzhsDXQrrX-y60Sw

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

LinkedIn: https://www.linkedin.com/in/feroze-azeez/

Twitter: https://x.com/feroze_azeez

📲 Sanjay Kathuria Podcast Handles

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