Radhika Garodia

Are you secretly losing money to "hidden" mutual fund commissions? 📉🤔

Welcome to Day 7 of the FY26 Wealth Reset! Today we are auditing the most popular part of the Indian portfolio: Mutual Funds. 🇮🇳

It’s easy to start a SIP, but it’s harder to know if it’s actually performing. Most people just look at the "Total Profit" (Absolute Return), but that doesn't tell the whole story.

✅ The Real Growth Metric: You must look at your XIRR. This tells you the actual annualized return of your money. If your XIRR is lower than a simple Index Fund, it’s time to rethink your strategy!

✅ The Expense Ratio Trap: Check your fund name carefully. If it says "Regular Plan," you are paying an agent commission out of your own pocket every single day. Switching to a "Direct Plan" can save you lakhs over 10-15 years. 💰✨

Don't let hidden fees and "fake" green numbers slow down your wealth creation.

👇 How is your XIRR looking? Is it beating the market? Let me know and drop a 'TRACKED' once your audit is done!

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Stop ignoring your Demat account because it’s "in the red." 🔴📈 Day 6 of the Wealth Reset!

Market volatility is scary only if you don't know your numbers. Today, we face the red to get to the green.

📝 Your Task: Log into Zerodha, Groww, or Upstox and update your tracker with your Total Invested vs. Current Value.

💡 Radz Pro-Tips for your Audit:
1️⃣ Stop Marrying Losers: If you wouldn't buy that "tip" stock today, why are you still holding it? Exit "Dead Stocks" and move that capital to quality. 🧹
2️⃣ The Tax Silver Lining: Did you know booking a loss can SAVE you money? Use Tax Loss Harvesting to set off capital losses against gains. You can even carry these losses forward for 8 years! 📉💰
3️⃣ The 10% Rule: Is one stock carrying your entire portfolio? Don't let concentration risk crash your net worth. Aim for max 5-10% exposure per stock. ⚖️

How’s the portfolio looking today—steady or shaky?

👇 Drop an 'INVESTED' once you’ve faced the numbers!

Are your FDs secretly losing you money? 🏦📉 Day 5 of the FY26 Wealth Reset!

Aaj ka task: Login to your net banking and check your “guaranteed” money.

⚠️ The Auto-Renewal Trap: Banks often auto-renew FDs at lower prevailing rates!
📉 Post-Tax Reality: If you’re in the 30% slab, a 7.5% FD interest is actually just a ~5.2% real return.
😱 The Nominee Crisis: Thousands of crores are lying unclaimed in Indian banks. Update your nominee via your app today—it takes 2 minutes!

Keep your exposure under ₹5 Lakhs per bank to stay RBI insured. 🛡️

👇 Drop a ‘DONE’ once you’ve updated your tracker!

Day 4/30: The Hidden Cash Hunt! 💵🔍
Welcome to Day 4 of the Wealth Reset Series!
Aaj hum digital screens se hatkar actual physical cash ki baat karenge.

In the age of UPI and Credit Cards, we often forget the cash sitting in our pockets, travel bags, or that “emergency stash” at home.

But to know your Real Net Worth, every single note counts!

📝 YOUR DAY 4 TASK: Go on a hunt!
Check your:
1️⃣ Current Wallets & Purses 👛
2️⃣ Laptop Bags & Travel Backpacks 🎒
3️⃣ Festive Envelopes or Shagun Envelopes 🧧
4️⃣ Home ‘Emergency’ Drawers 🏠

Total calculate karo aur apne tracker mein entry daalo.

💡 ADDITIONAL INFO: Cash & Income Tax Rules 2026
• The ₹50k Rule: Agar aap ₹50,000 se zyada cash bank mein deposit kar rahe ho in a single day, PAN card mandatory hai. 🪪

• The ₹10 Lakh Limit: Ek saal mein agar aapka total cash deposit ₹10 Lakh cross karta hai, bank is required to report this to the Income Tax Department (Be careful)😉😉

• The Locker Rule: Physical cash ghar par rakhne se behtar hai bank mein rahe—interest bhi milega aur security bhi! 🔐

Have you finished your cash hunt? Was the total more than you expected?

Drop a “DONE” below! 👇

Day 3/30: The Ultimate Shock Absorber! 🛡️💸

Welcome to Day 3 of the Wealth Reset Series! Aaj hum us paise ki baat kar rahe hain jo aapko raat ko chain ki neend deta hai—Your Emergency Fund.

Bohot log ek badi mistake karte hain: They treat their credit card limit as their emergency fund. 🚫 A credit card is a loan at 36%+ interest, not a safety net!

📝 YOUR DAY 3 TASK:
Log into your master tracker and create two columns today:
1️⃣ Current Amount: Exactly how much cash you have specifically set aside for emergencies today and where you have parked it. (Don’t have one yet? Write a big, bold ‘0’. Honesty is the first step to building real wealth!)
2️⃣ Target Amount: Calculate your basic monthly survival expenses (rent, groceries, EMIs, insurance) and multiply it by 6. This is your FY26 goal! 🎯

💡 ADDITIONAL INFO: Where should you keep this money?
Never keep your emergency fund in the stock market (Equity MFs or Direct Stocks). Agar market crash hua aur tabhi aapko emergency aayi, you will have to book massive losses. 📉
Instead, park it in:

Sweep-in FDs: Gives you FD-like interest but ATM-like liquidity!

Liquid Mutual Funds: Low risk, can be withdrawn in 24 working hours, and offers slightly better returns than a savings account.

A Separate High-Yield Savings Account: Keep this account physically separated from your UPI apps so you aren’t tempted to spend it!

Have you logged your Current and Target amounts? Drop a “DONE” below! 👇

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