Why the Next 10 Years Will Decide Your Financial Future & What You Should Do | Vijai Mantri | FWS109

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Vijai Mantri, Founder of Vijai Mantri Financial Services Pvt Ltd, is one of India’s most experienced investment professionals with over 30 years in the mutual fund industry. Having worked with investors across wealth segments, he brings deep expertise in asset allocation, behavioral finance, and long-term wealth creation, with prior leadership experience at HDFC Mutual Fund.
In this episode, he breaks down why most investors underperform despite good funds, the dangers of recency bias, and how real wealth is built through discipline and longevity. He shares a practical framework for selecting mutual funds, explains sector and thematic investing, and highlights how identifying profit pools and macro trends can drive better decisions. The conversation also explores realistic return expectations, portfolio construction, and why AI cannot replace human judgment in investing.
This episode offers a grounded, data-driven approach to investing in India, focusing on compounding, risk management, and long-term thinking.

Vijai Mantri : https://www.linkedin.com/in/vijaimantri/

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Sharan Hegde is a personal finance creator & founder of the 1% Club, simplifying money, markets, and mindset for India’s next generation of wealth builders.

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Timeline:
00:00 – Introduction
03:37 – 2 Most Common Money Mistakes Indians make
06:35 – Interesting Study at JP Morgan
08:00 – How to pick the right Mutual Funds?
14:00 – Vijai shares resources for keeping you up-to-date
14:30 – Insights on India growing food consumption
16:35 – Large AMCs are not aggressive on Alpha?
19:04 – How much do Fund Managers earn?
22:07 – How much extra Alpha to expect for AMCs
24:17 – How much returns you should aim for realistically?
28:40 – Can I get higher returns through a balanced portfolio?
30:53 – Right allocation for large/mid/small cap funds
34:39 – Vijai’s views on thematic/sectoral investing
40:38 – Can AI predict Stocks?
46:20 – Why US does not have a rail network?
49:00 – Conclusion

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