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25/08/2026

Many people assume that their expenses will naturally drop after retirement: that they’ll spend less on eating out or partying. But the truth is, we rarely want to downgrade the comfort we’ve worked so hard to achieve. Plus, as medical and healthcare costs rise, your financial needs might actually increase.

Watch the full portfolio breakdown on the Dezerv YouTube channel. (Link in bio)

24/08/2026

What is your retirement number?

This 38-year-old from Bengaluru has invested on his own for 16 years. Around ₹80 lakh saved, a ₹1.75 lakhs monthly SIP, twin sons, and a plan to retire by 50.

His answer was ₹8 to 10 crore. Then we ran the math on what he will actually need.

In the latest episode of Portfolio Breakdown: Retirement Edition, we sit with him and work through the gap, from the size of the SIP to the age he retires.

If you have a retirement number that you have never checked against the math, this episode is a must watch

🔗 Link to full episode in bio.

22/08/2026

Ci******es. Junk food. Doom-scrolling. F&O.

We know. We do it anyway.

SEBI’s FY26 derivatives study: 87.7% of individual traders lost money. Average loss — ₹1.17 lakh.

43% of them are under 30. Nearly 9 in 10 of those lost.

The one number that gives hope: first-time entrants into F&O fell 40%.

The years you spend chasing a quick trade are the years compounding needed most.

19/08/2026

₹3.15 Cr invested. ₹3.77 Cr today. 20 mutual funds.

The portfolio isn’t broken. It’s cost-optimised, the 80:20 equity-debt split is sensible, and the IRR is holding up at 11.34%.

The problem is the count.

20 funds don’t give you 20 kinds of diversification. They give you overlap you can’t see and a portfolio you can’t review. And here’s what usually happens next — as the corpus grows, so does the temptation. 20 becomes 40. 40 becomes 60.

The fix isn’t adding a better fund. It’s replacing, not stacking. 7-8 funds, each with a reason to exist.

Add only when something goes.

12/08/2026

While having liquid stock that is “in the money” from day one is a major shift, the core philosophy remains exactly the same. The true value of ESOPs lies in believing where the company will be 5 years down the line—not tracking daily or monthly fluctuations. If you don’t believe in that 5-year upside and the potential for 4x to 5x growth, it might not be the right fit.

SEBI has proposed a mutual fund-only PMS category, with a minimum investment of ₹25 lakh against the ₹50 lakh threshold ...
07/08/2026

SEBI has proposed a mutual fund-only PMS category, with a minimum investment of ₹25 lakh against the ₹50 lakh threshold that applies today.

For investors who have built sizeable mutual fund portfolios but do not meet the existing threshold, the proposal may open access to professional, discretionary portfolio management.

Our co-founders Sandeep Jethwani and Vaibhav Porwal shared their views with the press on what it may mean for investors and portfolio managers.

03/08/2026

Flipkart’s first-ever acquisition was a music startup called Mime360. Equity deal — founders and team came in, spent 9 months building the music business, launched big.

Six months later: “OK guys, this is not going to work. We are shutting this down.”

Most of the team got promoted into better roles across the company, because what they’d built was genuinely good. Binny Bansal on why decisions at Flipkart were made on what happened and why — not on whether it worked.

The teams you join, the bets that don’t land, the equity you’re sitting on — it all compounds differently than you think. Sandeep Jethwani wrote a whole book on it: The Millionaire Employee. Link in bio.

01/08/2026

How do you strike the right balance between fixed salary and ESOP upside?

Going all-in on equity sounds like the ultimate startup move, but ignoring immediate cash flow can backfire. Protecting your financial downside today gives you the stability needed to stay focused on high-upside options that take years to mature.

Magizhan Selvan, Co-founder (Namma Yatri) breaks down why cash flow and ESOPs need to work together, not against each other.

This framework is just step one. To see the full blueprint for turning your hard earned ESOPs/RSUs into long-term financial freedom, read The Millionaire Employee by Sandeep Jethwani. Link in bio.

31/07/2026

The secret about ESOPs isn’t how many shares you get. It’s knowing when to hold and when to sell.

And no two people have the same ESOP story, which is why generic advice fails here.

Tomorrow, four founders get candid about how their employees are actually building wealth through equity. Early stage (Namma Yatri), growth (Scapia), unicorn (Urban Company), and decacorn (Flipkart).

Cash or stock at a young company. When to hold, when to sell. Whether to take the buyback. Whether to borrow to exercise. How to live with a share price that moves every month.

Tomorrow, 11 AM. Link in bio

How do you align high performance with high payoff?If you’re a founder, your biggest challenge as you scale is keeping y...
31/07/2026

How do you align high performance with high payoff?

If you’re a founder, your biggest challenge as you scale is keeping your team driven and invested in the mission. If you’re an employee, your biggest leverage is attaching your time to high-growth opportunities. True wealth creation happens at the intersection of both.

Join top founders from Flipkart, Namma Yatri, Pixxel, Scapia, and Urban Company as they break down how high-growth teams turn hard work into life-changing outcomes, from early-stage risk to pre-IPO liquidity.

What we’ll cover:

- Evaluating risk vs. reward at early-stage companies
- Navigating paper wealth as a startup scales into a unicorn
- Staying motivated and structuring wealth after major milestones
- Live, unfiltered Q&A with the founders

When: August 1 | 11:00 AM

Where: Live Masterclass

Seats are limited. Tap the link in our bio to register.

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