5 Funds for 2026 to become Financially Independent

Why a 1-Fund Portfolio May Not Be Enough | Kshitiz Mahajan on Mutual Funds, Risk & Retirement In this episode of The Net Worth Show, we sit down with Kshitiz Mahajan, Managing Partner & CEO of Complete Circle Wealth Solutions LLP, to challenge one of the most popular ideas in personal finance today that 1 or 2 mutual funds are enough for everyone. Contrary to what many investors believe, Kshitiz explains why most retail investors are better off holding 5-7 mutual funds, and how portfolio structure, risk appetite, and behaviour matter more than chasing simplicity. Drawing from his own investing journey, including losing ₹5.5 lakh during the 2007–08 infrastructure boom, he breaks down how market cycles repeat, why themes like AI and EVs feel familiar, and how investors should make decisions that survive across cycles. 👤 About the Guest Kshitiz Mahajan is the Managing Partner & CEO of Complete Circle Wealth Solutions LLP, with extensive experience in the finance domain. Kshitiz started Complete Circle Capital, a flagship wealth management company that offers innovative solutions to match the unique needs of portfolio management services. Before Complete Circle, he has worked with leading brands like Motilal Oswal AMC, Canara Robeco Mutual Fund and Reliance Nippon Life Asset Management Co. Ltd. 📌 In this episode, we discuss: ➡️ Why a 1–2 fund portfolio may be too simplistic for most investors ➡️ The top 5-7 mutual funds in an ideal portfolio ➡️ How to assess your true risk appetite before investing ➡️ Lessons from losing ₹5.5 lakh in infra stocks during 2007–08 ➡️ Key factors to calculate your retirement corpus correctly ➡️ Why women often outperform men as investors ➡️ His approach to asset allocation and long-term decision-making This episode is a must-watch if you’re confused about how many mutual funds you should own, how to balance diversification with simplicity, and how to invest with clarity in noisy markets. 📌 Like, share, and subscribe for more podcasts on mutual funds, investing psychology, retirement planning, and wealth creation in India. Timestamps: 0:00 - Introduction 1:21 - How he lost ₹5.5Lakh in the Stock Market!? 6:33 - Why Kshitiz Suggests Investing in 5 Funds? One Fund is overrated! 10:39 - Risk Appetite: What You Think It Is vs What It Really Is (Calculating risk appetite) 14:07 - AI & EV Craze: Should You Invest in Such Themes? 19:36 - How to Select the Right Stock or Right Fund to Invest? (STEP BY STEP) 24:57 - Retire by 40? Dream, Discipline or Disaster? Is it a good decision at all? 28:56 - The Right Way to Calculate Retirement Corpus 32:25 - Real Estate Buying vs Renting: The Emotional vs Financial Truth 35:28 - Why He Thinks Women Make Better Investors? 38:23 - Kshitiz Net Worth & Asset Allocation? (REVEALED) 40:58 - One Lesson from this Conversation! #KshitizMahajan #NetWorthShow #MutualFundsIndia #PortfolioConstruction #PersonalFinanceIndia #WealthCreation #LongTermInvesting #StockMarketIndia