The Age-Based Wealth Plan: Emergency Fund, Equity, Bonds & the Road to Passive Income | FWS

Download 1% Club App Now! https://dl.onepc.io/2Hh8/fws-yt-girish Most Indians know exactly one way to invest — the stock market. Girish Lakhotiya has spent his career building on the other side of it. A Chartered Accountant who began his career at Citibank in corporate banking, he left in 2009 at the peak of the subprime crisis, returned to Pune, and started over with a CA practice and financial advisory work. Over the next 16 years he built the Prachay Group as a first-generation, bootstrapped entrepreneur — starting an RBI-registered NBFC in B2B lending in 2017, launching a Category II AIF in 2021, securing a debt broking licence, and building Bondsmart, a SEBI-registered online bond platform. Today the group operates a full-stack debt ecosystem, from helping businesses raise capital to connecting them directly with investors. In this episode, Girish breaks down the Indian bond market with unusual clarity. He explains why a market of 55 lakh crores has only 2% retail participation