In an era where social media glorifies quick profits and market timing, a case shared by CA Nitin Kaushik on social media platform X (formerly Twitter) serves as a reminder that true wealth creation is rooted in discipline, patience, and smart financial planning – not luck.
Five years ago, Kaushik began advising a 38-year-old software engineer from Mumbai whose net worth stood at around Rs 8 crore. Today, that figure has climbed to Rs 31 crore – without speculative bets or high-risk trading. The journey offers a masterclass in how consistent investing and prudent choices can compound wealth quietly but powerfully.
Equity portfolio
The cornerstone of the strategy was an equity portfolio built on long-term conviction rather than market fads. Kaushik and his client curated a basket of wealth-creator stocks across small-, mid-, and large-cap segments, balancing growth and stability.
Roughly 20% of the total equity exposure was diversified into select mutual funds for steady returns. The result? A compound annual growth rate (CAGR) of 18.7% over five years – achieved simply by avoiding emotional reactions to short-term volatility. “That’s how compounding quietly does its magic when you stay consistent,” Kaushik explained.
Metals in your portfolio
In 2020, metals formed only 5% of the portfolio. By gradually increasing this to 20%, Kaushik positioned the investor to benefit from the massive 2025 rally, when gold surged ~63% and silver jumped ~65%.
This allocation alone added significant upside while hedging against equity market risks.
Real estate
When his client planned to buy a Rs 3.5 crore luxury flat with an 8.5% home loan, Kaushik advised against it. Instead, he suggested investing in a premium plot – debt-free. Within 20 months, the land appreciated 25%, and the investor saved ₹75 lakh in interest payments. “Owning peace of mind sometimes beats owning property debt,” Kaushik noted.
Tax efficiency
By strategically using ELSS funds, capital gains harvesting, and efficient investment structures, the client saved over Rs 52 lakh in taxes in four years. Kaushik calls this “keeping more of what you earn” – the essence of real wealth management.
The ultimate edge
Despite his success, the client still drives the same sedan and hasn’t indulged in lavish upgrades. His focus remains on financial independence rather than flaunting success.
“That mindset,” Kaushik says, “is what turns crores into generational wealth.”
From Rs 8 crore to Rs 31 crore in five years – no luck, no shortcuts. Just discipline, diversification, and time.
In Kaushik’s words: “Real wealth isn’t built overnight. It’s built quietly – one disciplined decision at a time.”