<span style=" display:inline-block; background: linear-gradient(90deg, #fbbf24, #f59e0b); color: #fff; padding: 4px 20px; border-radius: 20px; "> sakthipriyan.com/building-wealth </span> ## How I missed <span style="color:#e63946">a Crore</span> <br/> #### A Personal Journey in Building Wealth <br/> #### Nov 30, 2025 <br/> <br/> -- ### Disclaimer | | | |--------------------|-------------------------------------------------------------| | **Personal Fit** | Based on my experience & comfort. | | **Purpose** | Educational — not financial advice. | | **Risk** | Markets involve capital risk. | | **Rules** | Verify tax/regulatory details. | | **Responsibility** | Make decisions aligned with your goals. | -- ### Contents <br/> <ol class="fragment grow"> <li>Why Nasdaq 100 Matters?</li> <li>What I Did?</li> <li>Equity vs Gold vs Inflation</li> <li>Asset Allocation</li> <li>Key Learnings</li> </ol> <br/> <br/> <br/> --- ### 1️⃣ Why Nasdaq 100 Matters? 🇺🇸 **iShares NASDAQ 100 UCITS ETF USD (Acc)** LSE:CNDX | | 1 Apr 2011 | 3 Nov 2025 | Growth | CAGR | |----------------------|----------------:|----------------:|-------:|-------:| | **Nasdaq 100** | $ 127.24 | $ 1,452.40 | 11.41x | 18.16% | | **1 USD** | ₹ 44.22 | ₹ 89.31 | 2.02x | 4.94% | | **Nasdaq 100** | ₹ 5,626.55 | ₹ 1,29,713.84 | 23.05x | **24.00%** | -- 🇺🇸 LSE:CNDX — $127.24 → $1,452.40 <small>(1 Apr 2011 → 3 Nov 2025)</small>  -- 🇺🇸 / 🇮🇳 FX_IDC:USDINR — ₹44.22 → ₹89.31 <small>(1 Apr 2011 → 3 Nov 2025)</small>  --- ### 2️⃣ What I Did? > 22 years old me 🧑💼 bought a > **📱 Samsung Galaxy S** for **₹ 24,999** > on 📅 **14 Mar 2011**  <!-- .element: class="fragment" --> 💡 I didn’t know how to build wealth. <!-- .element: class="fragment" --> -- ### 2️⃣ What I Did / What if? <ul> <li class="fragment fade-up">I bought <strong>Nasdaq 100 ETF</strong> instead of a <strong>Galaxy S</strong>?</li> <li class="fragment fade-up"><strong>4.44</strong> units for <strong>₹ 24,999</strong> on <strong>1 Apr 2011</strong></li> <li class="fragment fade-up">On <strong>3 Nov 2025</strong>, <strong>4.44</strong> units is <strong>₹ 5,76,324</strong></li> <li class="fragment fade-up">What if I continued holding and it performed similarly?</li> <li class="fragment fade-up">On <strong>1 Apr 2041</strong> it will be <span style="color:#e63946"><b class="fragment fade-up">₹ 1,58,69,864</b></span></li> </ul> <blockquote class="fragment fade-up">💡 A single decision at 22 created a ₹1.58 crore opportunity difference.</blockquote> -- ### 2️⃣ The Missed Opportunity > On **1 Apr 2011**, > If I spent **₹ 8,999** on a phone & > invested **₹ 16,000** in a Nasdaq 100 ETF, > it is **₹ 3,68,862** on 3 Nov 2025, > it would be <span style="color:#e63946">**₹ 1,01,57,119**</span> by 1 Apr 2041. FV = IV x (1+CAGR)<sup>years</sup> ₹ 16,000 × (1.24)³⁰ = ₹ 1,01,57,119 -- ### 2️⃣ Course Correction | Date | Mobile | Cost ₹ | Monthly ₹ | |-------------:|-----------------------------|---------:|------------------:| | 14 Mar 2011 | Samsung Galaxy S | 24,999 | 596 | | 17 Sep 2014 | Redmi 1S | 5,999 | 182 | | 25 Jun 2017 | OnePlus 5 | 32,999 | 892 | | 06 Aug 2020 | Samsung Galaxy M31s | 21,499 | 566 | | 23 Oct 2023 | Samsung Galaxy M34 5G | 18,104 | *482 | > 💡 Phones depreciate. Investments grow. > *482 projected using 37.5m lifespan. --- ### 3️⃣ Equity vs Gold vs Inflation Let's compare - 🇮🇳 **Nippon India ETF Nifty 50 BeES** NSE:NIFTYBEES<br/> - 🇮🇳 **Nippon India ETF Nifty Next 50 Junior BeES** NSE:JUNIORBEES<br/> - ⭐ **Nippon India ETF Gold BeES** NSE:GOLDBEES<br/> - 🇮🇳 🛒 **India Consumer Price Index** ECONOMICS:INCPI<br/> -- 🇮🇳 NSE:NIFTYBEES — ₹ 56.27 → ₹ 296.49 <small>(1 Apr 2011 → 3 Nov 2025)</small>  -- 🇮🇳 NSE:JUNIORBEES — ₹ 113.08 → ₹ 744.12 <small>(1 Apr 2011 → 3 Nov 2025)</small>  -- ⭐ NSE:GOLDBEES — ₹ 21.57 → ₹ 104.62 <small>(1 Apr 2011 → 3 Nov 2025)</small>  -- 🇮🇳 🛒 ECONOMICS:INCPI 88.20 → 197.30 <small>(1 Apr 2011 → 3 Nov 2025)</small>  -- ### 3️⃣ Equity vs Gold vs Inflation > 💡 Let's see how various assets performed. > 💎 Price of 1 unit / Index. | Asset | 1 Apr '11 | 3 Nov '25 | Growth | CAGR | |--------------|-----------:|-------------:|-------:|--------:| | Nasdaq 100 | ₹ 5,626.55 | ₹ 1,29,713.84 | 23.05x | 24.00% | | Next 50 | ₹ 113.08 | ₹ 744.12 | 6.58x | 13.79% | | Nifty 50 | ₹ 56.27 | ₹ 296.49 | 5.27x | 12.07% | | Gold | ₹ 21.57 | ₹ 104.62 | 4.85x | 11.43% | | Inflation | 88.20 | 197.30 | 2.24x | 5.71% | -- ### 3️⃣ Equity vs Gold vs Inflation Growth > 📈 **₹ 16,000** invested on **1 Apr '11**. > **1 Apr '41** projected using past CAGR. | | 3 Nov '25 | 1 Apr '41 | |--------------|-------------:|-------:| | Nasdaq 100 | ₹ 3,68,862 | ₹ 1,01,57,119 | | Next 50 | ₹ 1,05,288 | ₹ 7,71,334 | | Nifty 50 | ₹ 84,305 | ₹ 4,88,428 | | Gold | ₹ 77,604 | ₹ 4,11,323 | | Inflation | ₹ 35,791 | ₹ 84,645 | --- ### 4️⃣ Asset Allocation > 🧩 Diversify to reduce risk. |Allocation | Nasdaq100 | Next50 | Nifty50 | Gold | CAGR | |-------------------------|-----------:|--------:|---------:|-----:|----------------:| | US Tilt | 40% | 30% | 20% | 10% | 17.29% | | Balanced | 30% | 30% | 30% | 10% | 16.10% | | India Tilt | 25% | 40% | 25% | 10% | 15.68% | | India Only | 0% | 30% | 50% | 20% | 12.46% | > 💡 My Portfolio: + Midcap, Smallcap & Debt -- ### 4️⃣ Asset Allocation / Growth > 📈 **₹ 16,000** invested on **1 Apr '11**. > 📉 Real value using **5.71%** as on **1 Apr '11**. | | | | | | |----------------|------------------:|-------------------:|------------------:|-------------------:| | **Allocation** | **3 Nov '25**<br/>Nominal | **3 Nov '25**<br/>Real | **1 Apr '41**<br/>Nominal | **1 Apr '41**<br/>Real | | US Tilt | ₹1,63,975 | ₹79,173 | ₹19,15,993 | ₹4,28,724 | | Balanced | ₹1,41,255 | ₹67,682 | ₹14,09,934 | ₹3,10,549 | | India Tilt | ₹1,33,905 | ₹63,983 | ₹12,63,206 | ₹2,76,651 | | India Only | ₹88,718 | ₹41,482 | ₹5,41,790 | ₹1,13,478 | --- ### 5️⃣ Key Learnings - Buying expensive depreciating items → long-term cost <!-- .element: class="fragment fade-up" --> - Compare purchases vs long-term opportunity cost <!-- .element: class="fragment fade-up" --> - Start investing early — time > timing <!-- .element: class="fragment fade-up" --> - Asset allocation matters more than picking winners <!-- .element: class="fragment fade-up" --> - Equity compounds wealth; gold protects wealth <!-- .element: class="fragment fade-up" --> - Inflation silently destroys purchasing power <!-- .element: class="fragment fade-up" --> --- <span style=" display:inline-block; background: linear-gradient(90deg, #fbbf24, #f59e0b); color: #fff; padding: 4px 20px; border-radius: 20px; "> sakthipriyan.com/building-wealth </span> ### Sakthi Priyan H ### Building Wealth <br/> #### Found this useful? | | | |-|-| |👍 Like | 💬 Comment |🔄 Share | 📌 Subscribe | for more videos... **✨ Thank You 🙏**