Beginner to Pro Investing Masterclass | Mutual Funds, ETFs & EMI Trap | Ft. Kirtan Shah | EP07

Beginner to Pro Investing Masterclass | Mutual Funds, ETFs & EMI Trap | Ft. Kirtan Shah | EP07In this episode of the Sanjay Kathuria Podcast, we sit down with Kirtan Shah — financial educator, wealth management expert, and Founder & CEO of Credence Wealth & FPA Edutech. With over a decade of experience, Kirtan has helped thousands improve their financial literacy and make informed money decisions.A former Executive Director at a BSE-listed NBFC, Kirtan has extensive expertise in banking, markets, and treasury operations. He has been recognised with the BW 40 Under 40 Award and the Young Entrepreneur Award, and frequently appears on CNBC, Zee Business, and ET Now.This conversation covers beginner-to-advanced investment principles, financial planning across life stages, and the mindset needed for long-term wealth creation—while highlighting the importance of risk awareness and informed decision-making.What You’ll Learn:✅ Practical steps for better money management✅ How to plan investments at different life stages✅ Passive income ideas and their risks✅ Beginner’s guide to mutual funds & debt funds✅ How to avoid falling into the EMI trap📌 Timestamps00:00 – Podcast Teaser02:58 – Guest Introduction03:28 – Learning from Past Investment Mistakes09:00 – Financial Planning on a ₹30K Salary17:28 – Beginner’s Guide to Investing29:54 – Understanding Risk Assessment33:37 – Key Steps Before Starting Investments40:25 – Planning for Your 40s42:47 – Strategies to Close Home Loans Faster48:48 – Planning for Your 60s53:45 – Advice for GenZ57:51 – Importance of Budgeting59:40 – Right Age to Buy a House01:03:07 – Cautionary Notes on Real Estate Schemes01:07:43 – Home-Buying Tips01:09:10 – Understanding Bonds as an Option01:16:17 – Safer Alternatives to FDs01:18:17 – Debt Mutual Funds Explained01:21:16 – Tax-Saving Mutual Funds Explained01:24:52 – Passive Income Ideas & Considerations01:30:45 – Reality of PMS & AIF01:43:17 – Overview of Mutual Funds01:56:45 – Should You Invest in Global Funds?02:09:50 – Understanding ETFsHashtags:#KirtanShah #FinancialEducation #InvestingInIndia #WealthBuilding #PersonalFinance #SKPodcastTags:kirtan shah podcast, mutual funds explained, personal finance india, stock market basics, wealth building tips, financial literacy india, how to plan finances, investing in 20s india, emi trap explained, financial planning india, long term wealth india, safe investing strategies, debt mutual funds, passive income ideas india📲 Guest SocialsInstagram: https://www.instagram.com/kirtanshahcfpLinkedIn: https://www.linkedin.com/in/kirtanshahcfpTwitter: https://x.com/kirtanshahcfp📲 Sanjay Kathuria Podcast HandlesInstagram: https://www.instagram.com/sanjaykathuriapodcastYouTube (Main): https://www.youtube.com/@SanjayKathuriaPodcastYouTube (Clips): https://www.youtube.com/@SKPClips🙋‍♂ Connect with Sanjay KathuriaInstagram: https://www.instagram.com/financebysanjayLinkedIn: https://linkedin.com/in/sanjaykathuriaYouTube: https://www.youtube.com/@Sanjay_Kathuria📚 About the PodcastThe Sanjay Kathuria Podcast brings you India’s most impactful founder stories, financial insights, and business lessons—helping you make smarter money and career decisions.📌 Subscribe to never miss an episode:https://www.youtube.com/@SanjayKathuriaPodcast