Mohit Beriwala

Learning from the legends ‪@FLAMEUniversity‬

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2 minutes ago | [YT] | 0

Mohit Beriwala

Think you need a high salary to become wealthy? Think again.

In this video, you'll learn why saving money is more about your habits than your income. Discover the simple 50-30-20 budgeting rule and practical tips to control expenses, build savings, and create long-term wealth no matter how much you earn.

💬 What's your biggest challenge when it comes to saving money? Let us know in the comments!

https://youtu.be/51SOnVgbUDM

2 days ago | [YT] | 0

Mohit Beriwala

They broke the law. The internet still fell in love with them. That's not a scandal. That's a masterclass in what actually moves people.

On July 1, Russian rooftoppers Angela Nikolau and Ivan Beerkus scaled the Empire State Building's antenna, unfurled a banner about love beating power, and got engaged above Midtown Manhattan.

Within 24 hours, they were arrested on multiple felony and misdemeanor charges.

Within hours of that, brands were already in the comments. Memes, edited images, and wedding dress ads were riding the wave to millions of impressions.

Here's what stood out to me:

The couple took every legal and physical risk.

The brands took none, and still walked away with the reach.
I see a version of this every week in financial services.

Someone builds a following on a hot take, a bold prediction, or a stunt of their own. It works, for a while.

But in an industry where people are trusting you with their life savings, attention without accountability doesn't compound.
It expires.

A few things I try to hold onto, and that I'd tell any advisor or founder:

→ Speed matters, but only in service of credibility, not instead of it.
→ You don't need to create the moment to be relevant to it. Timing beats manufacturing.
→ In finance especially, the line between "bold" and "reckless" is the same line your client's trust sits on.
→ Virality fades fast. A reputation built on discipline doesn't.
→ The goal was never to be unforgettable for a day. It's to be trusted for years.

Where do you think the line sits between smart, timely marketing and genuinely reckless behavior, especially in industries built on trust?

4 days ago | [YT] | 5

Mohit Beriwala

An inspiring session at Symbiosis School of Banking and Finance. 🎓

It was wonderful interacting with students who are genuinely curious about investing and wealth creation.

We discussed:

✔️ Portfolio Discipline
✔️ Investor Psychology
✔️ Factor Smart Beta
✔️ Long-term Investing
✔️ Interactive AMA

The energy in the room and the thoughtful questions made this session truly memorable.

The future belongs to investors who combine knowledge with discipline, and it was great to see so many young minds eager to learn.

Thank you to Symbiosis School of Banking and Finance for the warm invitation and hospitality. Looking forward to many more such interactions.

(Finance, Investing, Wealth Creation, Investor Psychology, Portfolio Management Services, PMS, Smart Beta, Portfolio Discipline, Financial Education, Symbiosis, Banking and Finance, Long Term Investing, Mohit Beriwala)

Mohit Beriwala
Founder, Shree Rama Managers LLP
A SEBI Registered PMS (INP300007341)

#InvestorEducation #WealthCreation #Investing #Finance #Symbiosis

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5 days ago | [YT] | 2

Mohit Beriwala

📈 Your biggest competitor isn't the market. It's the person you were yesterday.

Most people spend too much time watching competitors.

What they're building.
What they're launching.
How fast they're growing.

But long-term success comes from competing with yourself.

✔️ Learn continuously.
✔️ Make better decisions.
✔️ Build better habits.
✔️ Stay consistent.

If you're a little better today than you were yesterday, you're already winning.

What's one habit you've improved this year? Share it in the comments. 👇

Mohit Beriwala
Founder, Shree Rama Managers LLP
A SEBI Registered PMS (INP300007341)

#Leadership #GrowthMindset #SelfImprovement #Business #Entrepreneurship #Success

1 week ago | [YT] | 1

Mohit Beriwala

Think creating an HUF automatically saves tax? That's one of the biggest myths in India.

An HUF is a separate legal tax entity with its own PAN card, bank account, and tax return.

But here's the catch...

An HUF saves tax only if it has its own income.

Your salary **cannot** be transferred to an HUF it will always be taxed in your own name.

So before creating an HUF, don't ask, "Should I make one?"

Ask, "How much tax will it actually save me?"

That one question can save you from unnecessary paperwork.

https://youtu.be/wlFnWhyQsaQ

1 week ago | [YT] | 1

Mohit Beriwala

"Create an HUF and save tax."

This is one of the most common pieces of tax advice people hear.

However, here's the biggest misconception.
Creating an HUF does not automatically reduce your tax liability. An HUF can offer tax benefits only when it has its own independent source of income, such as:

• Rental income from inherited family property
• Interest from family investments
• Capital gains from HUF-owned assets
• Business income earned by the HUF

An HUF can be an excellent tax and wealth-planning vehicle but only when it is created for the right reasons and has genuine HUF income. Otherwise, it may simply increase compliance without providing any meaningful tax benefit.

The key takeaway: Don't create an HUF because it's a popular tax-saving tip. Create one only if it aligns with your family's financial and legal structure.

Mohit Beriwala
Founder, Shree Rama Managers LLP
A SEBI Registered PMS (INP300007341)

#TaxPlanning #HUF #IncomeTax #PersonalFinance #WealthManagement #FinancialPlanning #financialfreedom

https://youtu.be/wlFnWhyQsaQ?si=g25o3...

1 week ago | [YT] | 3

Mohit Beriwala

If your retirement goal is ₹5 crore, you may need to think again.

Here's why.

At 6% annual inflation:

• ₹5 crore today = ₹2.79 crore in 10 years.
• ₹5 crore today = ₹1.56 crore in 20 years.
• ₹5 crore today = just ₹87 lakh in 30 years.

The number in your bank account may stay the same.

But what that money can actually buy keeps shrinking.

That's why I always tell investors:

Don't plan for a retirement number. Plan for the lifestyle you want your wealth to support.

If your investments aren't growing faster than inflation, you're not preserving wealth, you're slowly losing purchasing power.

Are you building wealth for today's prices or tomorrow's reality?

Mohit Beriwala
Founder, Shree Rama Managers LLP
A SEBI Registered PMS (INP300007341)

#Inflation #RetirementPlanning #WealthCreation #Investing

1 week ago | [YT] | 3

Mohit Beriwala

Some of the best investments in life never appear on a balance sheet.

They become memories.

From glaciers to waterfalls, every destination gave us beautiful views.

But the moments spent together as a family are what we'll remember the most.

Years from now, we won't remember every itinerary.

We'll remember the laughter, the conversations, and the feeling of being together.

Because in the end, that's what truly makes life rich. ❤️

#Family #Travel #Memories #Life

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1 week ago | [YT] | 6

Mohit Beriwala

Most people don't stay middle class because they earn too little. They stay there because they never learn the right money habits.

Financial freedom isn't built through one big investment.

It's built through small decisions you make consistently.

In this carousel, I've shared 4 practical money rules that every middle-class family should know:

• Follow the 50/30/20 budgeting rule.
• Don't buy an expensive car too early.
• Invest your first ₹1,00,000 wisely.
• Teach children about money from an early age.

These aren't shortcuts.

They're habits that can compound into long-term wealth.

Which of these rules do you already follow? Let me know in the comments.

Mohit Beriwala
Founder, Shree Rama Managers LLP
A SEBI Registered PMS (INP300007341)

#PersonalFinance #WealthCreation #FinancialPlanning #Investing #MoneyManagement #FinancialLiteracy

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2 weeks ago | [YT] | 6