SRAY GLOBAL WEALTH

  By  Yogesh S. Pandey  —  Certified Financial Wellness Coach  | Trusted by 2,000+ investors   (The Truth Most Investors Miss!) Ever met someone holding 15+ mutual funds and still wondering why their returns look average? Truth bomb 💣 — more funds ≠ more diversification . It often means more confusion, more overlap, and less performance. Let’s uncover how many funds you actually need to build a power-packed, diversified portfolio that grows faster and stays stronger in any market! 🧠 Step 1: Understand the Real Meaning of Diversification Diversification isn’t about owning “many” things. It’s about owning different things that move differently. A smartly diversified Indian portfolio balances: 🏦 Equity + Debt (growth + stability) 📈 Large, Mid, and Small Cap exposure 🌏 Domestic + Global opportunities 🎯 Growth + Value + Momentum styles When these work together, your portfolio wins — even if one area underperforms. 🔢 Ste...

  By  Yogesh S. Pandey  —  Certified Financial Wellness Coach  | Trusted by 2,000+ investors  You work hard. Your money should too. Yet, across India, crores of rupees sit idle in current accounts — earning zero returns . Whether you're a business owner, school principal, consultant, or salaried professional, chances are your current account is quietly draining opportunity. Not through fees or fraud—but through inactivity. 🧠 The Hidden Cost of Convenience Current accounts offer instant access. But they don’t offer growth. That’s fine for daily transactions—but what about the surplus that sits untouched for weeks or months? Let’s say you keep ₹10 lakh idle for operational flexibility. Over a year, that’s ₹0 in returns. Now imagine parking that same amount in a liquid debt mutual fund . You’d earn ~₹60,000–₹70,000 annually—without compromising liquidity. 📊 What Are Debt Mutual Funds? Debt mutual funds invest in government securities , treasury bills , and h...