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Finance With Sharan December 24, 2025
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Finance With Sharan

@financewithsharan

About

In a world where people think finance is boring, Sharan Hegde is on a mission to spread financial literacy in each and every Indian household through comedic shorts and entertaining long-form videos. Sharan Hegde is the founder & CEO of 1% Club - India's biggest finance community which helps people achieve financial independence. He has been featured in Forbes, Economic Times, Mint, Times of India and many more. Sharan is a Columbia MBA dropout and currently resides in Mumbai. Subscribe to learn about money management, investing, retirement planning and more.

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Gold report link: https://www.century.ae/en/gold-report Century Financial Instagram: https://link.century.ae/tK0uHq Century Financial YouTube Channel: https://link.century.ae/eDDZGs If you need help with your finances, fill out this short form: https://topc.typeform.com/youtube In this episode, Sharan speaks with Yogesh, a global market strategist and trainer with over 15 years of experience at Century Financial, a UAE-based financial services firm with over 36 years of presence in the region and one of the early pioneers of global investing and trading in the UAE. The conversation unfolds as a practical investment exercise where Yogesh explains how long-term portfolios should be built based on age, income stability, savings rate, time horizon, and risk appetite. Using the example of a 30-year-old investor with a long-term mindset, he walks through how capital should be allocated across asset classes instead of chasing short-term returns. Yogesh outlines why equities form the foundation of growth-oriented portfolios, with emphasis on U.S. markets for liquidity and depth, along with exposure to India, Central Europe, Japan, and emerging ASEAN economies. He explains how demographics, de-globalization, political stability, and shifting supply chains are shaping global returns, and why missing these trends can mean missing long-term compounding. The discussion then moves to precious metals, where gold and silver are positioned as portfolio insurance rather than speculative trades. Drawing from the 2008 financial crisis, Yogesh explains how central bank buying, geopolitical risk, and monetary expansion have historically supported a 10 to 15 percent allocation through ETFs. Beyond equities and metals, Yogesh breaks down the role of fixed income, including government and corporate bonds, before exploring future-focused themes such as cybersecurity, blockchain, space exploration, DNA sequencing, agri-tech, drones, and other megatrends, highlighting ETFs as the most practical way to gain diversified exposure. Cryptocurrency is addressed with caution and clarity, covering why central banks remain wary, why crypto is still speculative, and why limited exposure to assets like Bitcoin, Ethereum, or Solana may be considered due to institutional adoption and real-world use cases. The conversation concludes with a strong focus on financial education, disciplined investing, diversification, and developing an investor mindset at any portfolio size. This episode serves as a grounded, practical guide to global investing in an increasingly complex financial world. – Attend our Masterclasses: https://bit.ly/4mJ4ycI Join the 1% Club: https://bit.ly/4mymUgm — Subscribe: The 1% Club: YouTube: https://www.youtube.com/@onepercentclub12 Instagram: https://www.instagram.com/onepercentclub/ LinkedIn: https://www.linkedin.com/school/the-1-clubfws Sharan Hegde: Instagram: https://www.instagram.com/financewithsharan/ LinkedIn: https://www.linkedin.com/in/sharanhegde95/ Twitter/X: https://x.com/financewsharan – 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. – Timeline: 00:00 - Precap 01:10 - Meet Global Market Expert, Mr. Yogesh Khairajani 02:08 - How a 30-Year-Old Should Invest Their Money 05:49 - A Simple Asset Allocation Plan for Young Investors 15:49 - Are AI Stocks Overpriced or Still Worth Buying? 26:15 - Crypto 101: Which Coins Make Sense & Why 32:10 - Leverage Trading Explained: When It Helps and When It Destroys 38:28 - How Century Financial Helps New Investors 41:06 - Final Advice for Anyone Starting Their Investment Journey

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