You Can’t Invest Like The Rich, Trying To Do So Could Cost You Dearly, Warns Expert Investor

Trying to reflector really nan able put whitethorn consciousness aspirational, but for nan mean middle-class investor, it’s a trap pinch steep consequences. One correction successful nonstop equity tin derail years of savings, and nan illusion of easy money often hides sadistic financial setbacks.

“Most beginners dive into stocks inspired by societal media wins aliases friends who made large returns,” says CA Nitin Kaushik. “But they hide 1 captious thing—the rich | play an wholly different game.”

High-net-worth individuals person portfolio managers, divers income streams, and capable surplus superior to cushion mistakes. If a banal tanks, they tin mean losses aliases move strategies without blinking. Their investments span crossed businesses, existent estate, world markets, and replacement assets. Even if 1 limb fails, nan others support their wealthiness steady.

But nan mediate class? It’s a one-shot story. One salary. One EPF account. One finance portfolio. No 2nd chance.

Kaushik warns, “Direct banal investing isn’t bad—but it’s not a starting point. It should beryllium earned, not gambled into.”

For astir salaried individuals pinch constricted consequence appetite and capital, communal funds, SIPs, and goal-based investing connection a safer, smarter path. These devices beforehand diversification, discipline, and semipermanent growth. “The fearfulness isn’t investing—it’s losing everything. That fearfulness is valid,” Kaushik adds.

If your full nett worthy hinges connected 1 stock, moreover a azygous marketplace clang tin swipe retired your dreams—be it your child’s education, location EMI buffer, aliases status goal. That’s why intent and patience matter much than hype and speed.

Another captious difference? The rich | don’t get shaken by volatility. They person nan bandwidth to hold it out. The mediate class, however, needs liquidity, stability, and clear direction.

The smarter path, Kaushik suggests, is to commencement pinch what you tin control—setting clear financial goals, automating SIPs, reviewing plus allocation annually, and resisting FOMO-driven decisions. “Your finance travel should bespeak your reality, not personification else’s item reel,” he says.

And astir importantly, don’t compare. “Wealth isn’t built by luck, it’s built by habit,” Kaushik stresses. Consistency, not complexity, is what helps nan mediate people build wealthiness complete time.

So earlier you pursuit banal tips aliases marketplace trends, inquire yourself: Have I earned nan correct to return that risk? Build your instauration first. Then, if and erstwhile you’re ready, return calculated bets. Until then, protect what you have, turn it patiently, and enactment nan course.

Published on: Jul 15, 2025 8:28 PM IST