Rahul Jain

10 money challenges that I will be taking up in 2027

[1] Increase my Net Worth by 25%

By the end of 2027, I want my net worth to be 25% higher.

What is Net Worth?
Net Worth = Assets minus Liabilities

The reason I am targeting net worth is because there is a difference between “Wealth” and “Money”

“Money” is what you earn, spend and invest, but
Your “Wealth” is what stays with you

and, Net Worth = Wealth

[2] Build a new income source

My personal target is to build a new business line that can generate around ₹5 crore annually.

With AI disrupting jobs, I want to build something that is relatively "AI proof"

[3] Take 20% of my portfolio Global

In 2026, I moved around 12% of my portfolio into US markets.
In 2027, I want to take my global allocation to around 20%.

For me, this is about:
→ Diversification
→ Hedge against rupee depreciation
→ Opportunities beyond India

[4] Clean up my Portfolio

Before March 2027, I will review:
→ Loss making stocks
→ Underperforming investments
→ Overlapping mutual funds
→ Investments I did because of "Impulse"

[5] For every investment I will document the following:

→ Why am I investing?
→ What return do I expect?
→ How long will I hold it?
→ How much volatility can I tolerate?
→ What is the maximum loss I can accept?

[6] Zero Lifestyle Inflation

If my income increases in 2027, I do not want my lifestyle to increase with it.

I’ve already decided:
No new car.
No new phone.
Even if I can afford them.

I would rather deploy that money into assets.

[7] Spend ₹10 lakh on my own Learning

In 2027, I want to invest around ₹10 lakh in myself.

Three things I specifically want to improve:
→ Technical analysis
→ Networking
→ Personal branding

I genuinely believe learning will remain one of my highest return investments.

[8] Getting better at planning my finances jointly with my spouse

Once every quarter, we want to sit down and discuss:
→ Income
→ Expenses
→ Investments
→ Financial goals
→ Any financial worries

Money conversations should not happen only when there is a problem.

[9] Creating one Financial Documents Folder

I want one physical folder containing:
→ PAN
→ Insurance policies
→ Loan documents
→ Bank statements
→ Demat statements
→ Investment details

So my family knows exactly where everything is in an emergency.

[10] Getting my Will Registered

This one just needs to get done.

I do not want the law or unnecessary confusion deciding what happens to my assets later.

A registered will can give my family much more clarity.

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Do you like any of these and anything you wish to add?

I've broken down all of these challenges in detail in a video on my YouTube channel
It has crossed 1 Lac+ views
Link in the comments.

4 days ago |[YT] | 53

Rahul Jain

September 2026 saw RECORD mutual fund inflows of ₹38,306 crore in just one month.

If mutual fund inflows like this had not happened, the Indian stock market could have crashed even more.

Now, around ₹9,000 crore went into Small Cap funds
Whereas only ₹859 crore into Large Caps

That is a MASSIVE gap.

And this is where "The Risk" starts.

[1] Small Caps are expensive

Nifty Smallcap 250 is trading at a PE of around 34.
Its 5 year average PE is around 27.
So valuations are already well above historical averages.

[2] But earnings haven't kept up

Small Cap earnings have remained almost flat for nearly 2 years.
So the recent rise in valuations has not been driven by a similar rise in earnings.

[3] Large Caps tell a very different story

Nifty 100 is trading at a PE of around 19.
Its 5 year average is around 22.
At the same time, Large Cap earnings are close to their highs.

But because investors want quick money, they are pouring their money into small caps

And this is where most people go wrong

They chase the momentum and ignore the valuations

So, in such times what should investors actually do?

I've broken down all of this aspects in detail in a video on my YouTube channel
It has crossed 1 Lac+ views in less than a day
Link in the comments.

5 days ago |[YT] | 43

Rahul Jain

Modern relationships are complicated, but the fundamentals are still simple: respect, boundaries, trust and honest communication.

In this panel, three experts break down what actually makes relationships work, and what quietly destroys them.

Full conversation now live on Good 2 Great.
Link in the comments

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2 weeks ago |[YT] | 39

Rahul Jain

What should you do in your 30s so that you have clarity in your 50s and 60s?

Manisha Lath Gupta, founder of the Aanandaa Permaculture Project, on health, money and relationships. Swipe through.

Watch the full conversation on my Good 2 Great YouTube channel
Link in the comments

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2 weeks ago |[YT] | 85