2026 Market Reality : How Experienced Investors Are REDUCING RISK Early To Win | Kirttan Shah| FWS91

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Most investors believe better returns come from finding better stocks or the best mutual funds. This conversation challenges that belief.

In this episode, Kirttan Shah, Founder and CEO of Truvanta Wealth, shares how serious portfolios are actually built when long-term capital, market cycles, and risk matter more than short-term performance. With over 20 years in the financial markets and experience advising large pools of capital, Kirttan explains why 2026 may not reward aggressive investing and why good schemes alone do not guarantee good outcomes.

The discussion goes deep into how value, momentum, and growth rotate over time, why mid and small caps may not always be the answer, and how different asset classes like equities, gold, copper, debt, and even IT play specific roles depending on the phase of the market. A recurring theme throughout the episode is behaviour, how investor reactions often matter more than strategy itself.

Kirttan’s approach focuses on simplicity, diversification, and staying invested through cycles rather than chasing recent performance. A large part of his own personal wealth is invested through mutual funds, structured thoughtfully across asset classes and investment styles.
This is not a tips-driven finance episode.

It is a clear framework for thinking about money, patience, and allocation when markets feel uncertain.
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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.

Timeline:
00:00 – Precap
01:00 – Introducing our guest: Kirttan Shah
03:48 – Why gold deserves a place in your portfolio
06:38 – Kirttan’s ideal allocation for a ₹10 Cr corpus
09:44 – Should you go all-in on large caps this year
10:36 – How to choose the right large-cap funds
11:50 – Will 2026 be a tough year for markets
14:32 – How to track early signs of market movement
15:01 – Value funds to consider for 2026
17:20 – How to actually judge a good mutual fund
19:50 – How to build a strong mutual fund portfolio
22:04 – Understanding the growth style of investing
22:46 – Value vs growth vs momentum explained simply
26:25 – Why index investing is basically momentum
28:06 – Why large-cap + value works well together
28:50 – Why momentum works best in mid caps
30:40 – Mid caps vs small caps: which really performs better
31:25 – Why small caps gave negative returns in 2025
33:00 – How wrong sector bets hurt your returns
35:50 – Sectors that could perform well in 2026
37:24 – Why the auto sector looks promising
38:20 – Why banking and financials may do well
38:55 – What to expect from the defence sector
39:32 – Why Kirttan is bullish on IT
43:00 – Should you invest in silver right now
46:30 – Is copper the next big opportunity
48:00 – What is the safest investment approach today
50:00 – Why investor behaviour matters more than strategy

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