Rohan’s Journey from Hype Chaser to Wealth Builder

Profile:

Name: Rohan Mehta (Name Changed)
Age: 30
Occupation: Software Engineer
Monthly Income: ₹1,20,000
Risk Profile: Moderate
Investment Goal: Financial Freedom by age 50

Phase 1: Falling for the Hype

2017: Rohan heard friends talking about Bitcoin. Without research, he invested ₹2 lakhs when BTC was ₹15 lakh.
By 2018, BTC crashed. His portfolio dropped 60%. He panicked and exited with a ₹1.2 lakh loss.
2020: The tech stock rally got his attention. He bought high-flying U.S. stocks via an app.
In 2022, the market corrected. He lost again.
2023: The AI boom lured him back. This time, he put ₹3 lakhs in AI-focused startups listed overseas.
One of the companies shut down. His investment halved.

What Went Wrong?

No asset allocation
Chasing trends, not goals
Emotional decisions—greed during rallies, fear during crashes
Ignored risk and diversification

Phase 2: Rohan Gets Guidance

In 2024, Rohan met a Mutual Fund Advisor referred by his good friend who helped him:

Review his financial goals:

Retirement corpus: ₹3 Cr in 20 years
Buying a house in 7 years
Emergency fund worth 6 months’ expenses

Rebalance his approach:

Set up SIPs of ₹25,000/month across diversified mutual funds
Created a mix of equity (70%) + debt (30%) based on his profile
Introduced ELSS (tax-saving mutual funds) for 80C benefits
Taught him about power of compounding and staying invested long-term

One Year Later…

No panic during minor market corrections
Portfolio value grew steadily, even during volatile months
He finally sleeps well at night—no more chasing the next big thing

What You Can Learn from Rohan

Investing isn't about excitement—it's about discipline
Trends are tempting, but they don’t last
Mutual funds offer balance, strategy, and peace of mind
Having a guide or distributor helps avoid costly mistakes

Final Verdict:

Like Rohan, many smart investors get trapped by trends. But with a goal-based mutual fund approach, you can move from chasing hype to building real wealth—one disciplined step at a time.

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