He had ₹15 lakh in savings but still lost money. Here’s how a 32-year-old fixed his portfolio
Last Update Date: 05-10-2026
Published by Mint
Abhishek Kumar's role: Quoted
Abhishek Kumar shared this client case in a LinkedIn post that the article draws on. He explained that the fix was simple: give every rupee a goal, keep an emergency fund, sort out insurance first and add equity gradually for retirement.
More of Abhishek's views on mutual funds
The article recounts the case of a 32-year-old engineer who left about ₹15 lakh sitting in a bank savings account for four years as inflation ate into it. It describes how his money was then given clear purposes: an emergency fund, separate pools for a house down payment, parents' health and retirement, and term and health insurance.
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He had ₹15 lakh in savings but still lost money. Here’s how a 32-year-old fixed his portfolio