From ₹ 2500 Salary to ₹ 10 Cr Net Worth: Do this to become RICH!

Prasad NN on Building ₹10 Crores Through SIPs and Smart Asset Allocation Goal-based investing, retirement planning and systematic withdrawal plans (SWP) take center stage in this episode of The Net Worth Show, where we sit down with Prasad N N, a wealth management professional who runs his own advisory practice. He shares a deeply personal journey — losing his father at age 4, cycling between two jobs in Bengaluru to make ends meet on ₹6,000 a month, and the complete career U-turn that eventually took him from a Swedish MNC to a German multinational to a US company owned by Warren Buffett — before opening up about building a combined net worth of over ₹10.5 crore with his wife and the bucket-driven investing framework he now uses with his own clients. This conversation is a practical guide for anyone looking to understand personal finance in India, mutual fund investing, goal-based investing, retirement planning, systematic withdrawal plans (SWP) and long-term wealth creation. The episode covers how to split your monthly surplus across multiple financial goals, why real estate is often oversold as a wealth-building asset, the right asset mix by investment horizon, how to plan a retirement withdrawal strategy, and why insurance should always come before investment. 💡What you will learn: • Why he recommends youngsters avoid overcommitting to real estate until their early-to-mid 30s • Why "you're not going to be rich in real estate," and what asset class has actually given him the best returns • His current ₹10.5 crore+ net worth and how it's split across real estate, mutual funds, stocks, AIFs and debt • Why he prioritises growing your salary over just saving more • A practical framework for goal-based investing: how to split your • • monthly surplus across multiple financial goals • How to build a bucket strategy for retirement: which investment horizon should go into debt funds, hybrid funds or equity funds • How a systematic withdrawal plan (SWP) works, and how to withdraw from your corpus post-retirement without eroding your capital 📌 If you are looking to build long-term wealth, understand goal-based investing, mutual fund investing, retirement planning or asset allocation in India, this conversation is packed with practical insights. This episode will be especially useful for salaried professionals, mutual fund investors, SIP investors and anyone planning for retirement, financial freedom or early retirement in India. Subscribe to The Net Worth Show for more conversations with India's top investors, founders, business leaders, fund managers and wealth creators. #PersonalFinance #RetirementPlanning #MutualFunds