STOP Doing 100% Equity! The 20% Rule That Will Make You Richer During a Crash | Kushal Lodha

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Think Fixed Deposits are safe? Think again. In this eye-opening episode, financial expert Kirtan Shah exposes the hidden "Inflation Risk" that is silently destroying your wealth in traditional FDs and challenges the popular aggressive strategy of 100% equity investing. He argues why even young investors need a strategic 20-30% allocation in Fixed Income, not just for safety, but as a war chest to capitalize on market crashes. This conversation is a masterclass on asset allocation, designed to show you how to protect your purchasing power while positioning yourself to generate massive alpha when the market dips.

Beyond the basics, Kirtan decodes the complex world of Debt Mutual Funds, breaking down the 16 different categories and the secret to predicting interest rate cycles. He reveals a 7-factor macroeconomic checklist—including GDP, Fiscal Deficit, and Crude Oil—that allows anyone to predict market moves like a pro. Whether you want to understand how to read a fund manager's "secret" signals in a fact sheet or how to switch between Duration and Credit Risk funds for potential double-digit returns, this episode is the ultimate guide to mastering Fixed Income.

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Timestamp:
00:00 Trailer & Introduction
02:06 Why Fixed Income is important?
07:27 Deep Dive into both scenario analysis
08:43 Kirtan's personal asset allocation
11:29 Types of Fixed Income products
23:02 Kirtan's Fixed Income investing journey
26:10 Credit Risk Deep Dive
42:07 Examples of Bonds across different ratings
43:46 Interest Risk Deep Dive
51:32 Factors to decide right mutual fund for fixed income
1:11:47 How to make the right decision?
1:19:40 Live fact sheet discussion
1:25:49 How to know when to switch?
1:38:46 Allocation within Fixed Income
1:45:07 Any risk by investing via mutual funds?
1:53:45 Conclusion
1:54:30 Outro


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