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How a Salaried Employee Built Ultra Wealth From ZERO : One Mindset Switch | Anshul Saigal | FWS 122

Finance With Sharan

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Anshul Saigal is a private investor who brings nearly 20 years of investing experience across institutions including Kotak Mahindra AMC, JP Morgan Chase, and Standard Chartered Bank. Formerly Head of PMS and CIO at Kotak Mahindra AMC, he shares how he built wealth from the ground up through disciplined investing, risk-taking, and long-term thinking.
In this conversation, Anshul explains why the ability to tolerate volatility is a key investing advantage, how he deployed capital during the 2008 financial crisis, and why investor behaviour matters more than information. He breaks down valuation versus narrative, the risks of overpaying for growth, the psychology behind market cycles, and his framework for challenging investment theses through inversion.
The discussion also covers India’s long-term opportunity, the AI and Magnificent Seven debate, portfolio construction, behavioral biases, and the principles that have shaped his investing journey.

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Anshul Siagal
LinkedIn: LinkedIn: anshul-saigal-9404674

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Sharan Hegde:
Instagram: Instagram: financewithsharan
LinkedIn: LinkedIn: sharanhegde95
Twitter/X: https://x.com/financewsharan

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Sharan Hegde is a personal finance creator & founder of the 1% Club, simplifying money, markets, and mindset for India’s next generation of wealth builders.

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Timeline:
00:00 - Introduction
01:30 - How Anshul Built Wealth from Zero
03:55 - Risk-Taking Mindset & Why 95% Choose Safety
05:22 - Why It's Hard to Get Rich on a Salary
06:10 - Only 2-3% Have Fire in the Belly to Be Rich
07:12 - The 2008 Lehman Crisis Story
08:55 - Highest Portfolio Volatility in 2.5 Years
14:34 - Is There a Bubble Forming in AI?
15:24 - Should You Invest in Magnificent 7 Stocks?
19:42 - India's Manufacturing Transformation Story
21:36 - What Could Go Wrong for India?
22:18 -The Truth About Insider Information & Edge
29:06 - Invert, Always Invert: Charlie Munger's Mental Model
31:52 - How to Eliminate Bias in Investing
32:29 - Rapid Fire Round
40:18 - Conclusion

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Connect with me:

Instagram: Instagram: financewithsharan
Facebook: Facebook: financewithsharan
LinkedIn: LinkedIn: sharanhegde95
Twitter: Twitter: financewsharan

#financewithsharan #finance #sharan

20 Comments

@pokemonRelive 3 months ago (edited)

Speaker has so much patience! we definitely need another inverview. This time, it should be all behavioural aspects of investing this gentleman has acquired over time.

@chetangpt 3 months ago

10-20 lakhs, twenty years ago was a crazy amount. He was no way a middle class.

@RamandeepSingh-m7r5q 3 months ago

EVERY SINGLE WORD guest said in this interview has a million dollar value, so glad that i found this interview, subscribed this channel straightway, had to pause start this video many times to grasp what this man was saying, will listen this interview multiple times untill i fully understand.

@ayeshamakawitage6411 3 months ago

I am from srilanka,
I think first I must say this is one of very good podcast regarding value investing,the host is very reliable guy ,i can judge him by statement
Second,Podcaster is asking very much valid question ❤

@utkarshrastogi7884 2 months ago

Sharan, can we pls have a talk on momentum vs value investing!

@kkbk3171990 3 months ago (edited)

This was an Ultimate podcast.. Please make this similar kind of which will help us to come from ZERO TO next level 🎉 everything was detailed. Sharan sir You are my role model to building my portfolio better

@revantragesh 3 months ago

What an excellent speaker. So much clarity in his thought process

@jeyeseswaran 3 months ago

One of the best speach.... Calm and composed.

@RamKuchi 3 months ago

Excellent podcast, Sharan.. As always you nailed it. Bringing experienced investors like Anshul Saigal to the show provides fresh investing insights every time. As a longterm investor, I learn something new from each episode. Thanks to both of you, and looking forward to the next one!!

@kamleshbhatt6501 3 months ago

This is a great podcast from an UHNI a practioner.

Please get more such podcasts from UHNIs

@tusharjajodia9077 3 months ago

I think this content should also be in podcast apps

@ogcheckers 2 months ago (edited)

love you sharon, after the webinar, I'm looking at just 3rd small podcast of yours among a lot in your channel, it's nice what you are bringing on. again i say you've got patience and you are taking word out of their mouth because usually investors won't easily open up their strategies so easily since it's the output of their efforts over years, 👏👏

@aisha3247 3 months ago

Very great explanation in simple words. Thank you

@Abhinav-z6i 3 months ago

Good podcast by the way ❤

@riteshsinghrathod 3 months ago

Very nice questions, Sharan. The sharp and thoughtful questions you've asked show that you're experiencing some of the investing challenges many of us face—especially the one about the source of capital during market downturns and how to continue investing when opportunities arise. Although Anshul cleverly skipped answering that particular question, it was certainly an important one.
It's great to see you having meaningful discussions which benefits all of us and help drive a deeper strategy on investing.