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 In this episode, Sharan sits down with Aditya Khemka, Chief Investment Officer of InCred Asset Management, whose funds have delivered nearly 50% CAGR in recent years. The conversation opens with how Khemka allocates his own capital across healthcare equities, gold, real assets, and liquidity and why uncertainty, inflation, and geopolitics make disciplined asset allocation essential today. The discussion then deep-dives into India’s healthcare sector, which Khemka believes has a multi-decade growth runway. He explains why hospitals, diagnostics, and pharma manufacturing are structurally underpenetrated, how valuation gaps persist despite strong fundamentals, and why India-focused healthcare businesses have quietly outperformed the broader market by a wide margin over the last decade. The episode closes with a broader macro view covering inflation cycles, currency debasement, gold’s role in long-term portfolios, and why Khemka concentrates heavily on secular businesses like healthcare while avoiding overseas equity exposure. A masterclass in combining macro thinking with bottom-up stock selection. — 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. –