Wealth Building Secrets Revealed for Middle Class | Feroze Azeez | Sanjay Kathuria Podcast EP53

Wealth Building Secrets Revealed for Middle Class | Feroze Azeez | Sanjay Kathuria Podcast EP53In this episode of the Sanjay Kathuria Podcast, we host Feroze Azeez, Joint CEO of Anand Rathi Wealth Limited, one of India’s leading wealth management firms managing over ₹1,00,000+ crore AUM for 13,000+ HNI families .With more than two decades of experience in private banking and portfolio management, Feroze Azeez shares a complete wealth management masterclass for Indian investors. From building your personal balance sheet to choosing the right mutual funds, understanding asset allocation, and creating passive income after retirement, this conversation breaks down how professionals manage money for India’s richest families.In this deep-dive discussion, we cover financial planning for people in their 20s, 30s, and 40s, the truth about mutual funds vs AIF, how to select the right funds using data instead of hype, why past performance is misleading, and how investors can build long-term wealth while managing risk.📘 What You’ll Learn✅ What wealth management really means for investors✅ How to create your personal balance sheet✅ Financial planning for people in their 20s✅ Why past mutual fund performance is misleading✅ Risk management strategies used by professionals✅ Best mutual fund categories for 2026✅ Passive income strategy after retirement⏱️ Timestamps00:00 – Podcast Teaser01:30 – Guest Intro - Feroze Azeez03:17 – From Teacher to Wealth Manager06:17 – Rs 0 to Rs 1 Lakh Crore AUM Journey06:32 – What is Wealth Management?08:56 – How to Start Financial Planning10:14 – How to Create a Personal Balance Sheet?11:37 – Why Income & Expense Mapping Matters12:30 – Understanding Your Liabilities13:44 – What is Financial Independence?14:30 – Financial Planning for a 25 Year Old16:35 – Fake It Till You Make It is WRONG19:07 – How Should a 23 Year Old Should Invest?23:18 – Are Mutual Funds ENOUGH for Entire Life?24:11 – Why are Mutual Funds better than AIF?26:51 – Life Cycle Funds Explained29:20 – How to Select the RIGHT Mutual Fund?31:54 – Why Past Performance is USELESS32:42 – Anand Rathi's Secret Formula Revealed37:33 – Holiday NAV Concept Explained41:20 – Target NAV as a Tie Breaker43:22 – 3 Parameters Every Retail Investor NEEDS46:40 – Risk Management Secrets from Nobel Winners50:25 – Why Popular Funds are in Losses?53:28 – Why Some funds are performing well?58:47 – Why is Elon Musk Listing SpaceX?01:00:30 – Should You Invest in Crypto?01:04:30 – International Investing for Indians01:06:53 – Financial Planning for 35 to 45 Age Group01:10:14 – Should You Buy Real Estate or NOT?01:11:32 – How to Create Passive Income After Retirement?01:14:12 – Best Strategy for Lump Sum Investing01:17:38 – Feroze Azeez Personal Asset Allocation01:19:35 – Biggest Money Mistakes to AVOID01:21:10 – How to Build a Career in Wealth Management?01:24:13 – What Scares a Rs 1 Lakh Crore Wealth Manager?01:25:23 – Cheapest HEDGE in 20 Years Right Now01:26:46 – Right Mutual Funds for 202601:27:48 – Episode Outro🔗 Guest SocialsYoutube : https://www.youtube.com/channel/UC-zjWG1XzhsDXQrrX-y60SwInstagram: https://www.instagram.com/feroze_azeez/LinkedIn: https://www.linkedin.com/in/feroze-azeez/Twitter: https://x.com/feroze_azeez📲 Sanjay Kathuria Podcast HandlesInstagram: https://www.instagram.com/sanjaykathuriapodcastYouTube (Main): https://www.youtube.com/@SanjayKathuriaPodcastYouTube (Clips): https://www.youtube.com/@SanjaykathuriapodcastclipsFacebook: https://www.facebook.com/sanjaykathuriapodcastsSpotify: https://open.spotify.com/show/1VDdqFLEvqtKIr3pJuu1ep?si=I50k9_sCSVqSwOF62ugrIw🙋‍♂️ Connect with Sanjay Kathuria:Instagram: https://www.instagram.com/financebysanjayFacebook: https://facebook.com/financebysanjayLinkedIn: https://linkedin.com/in/sanjaykathuriaTwitter: https://twitter.com/sanjaykathuriaYouTube: https://www.youtube.com/@Sanjay_Kathuria