Download the 1% Club App: https://app.onepc.io/?c=fws-yt-vid If you need help with your finances, fill out this short form: https://topc.typeform.com/cfo-onboarding Most investors believe better returns come from finding better stocks or the best mutual funds. This conversation challenges that belief. In this episode, Kirttan Shah, Founder and CEO of Truvanta Wealth, shares how serious portfolios are actually built when long-term capital, market cycles, and risk matter more than short-term performance. With over 20 years in the financial markets and experience advising large pools of capital, Kirttan explains why 2026 may not reward aggressive investing and why good schemes alone do not guarantee good outcomes. The discussion goes deep into how value, momentum, and growth rotate over time, why mid and small caps may not always be the answer, and how different asset classes like equities, gold, copper, debt, and even IT play specific roles depending on the phase of the market. A recurring theme throughout the episode is behaviour, how investor reactions often matter more than strategy itself. Kirttan’s approach focuses on simplicity, diversification, and staying invested through cycles rather than chasing recent performance. A large part of his own personal wealth is invested through mutual funds, structured thoughtfully across asset classes and investment styles. This is not a tips-driven finance episode. It is a clear framework for thinking about money, patience, and allocation when markets feel uncertain. — 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.