# @financewizardcl on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DPtiDe-CWpb
- **Gondola URL:** https://gondola.cc/posts/59781063-financewizardcl-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/b154317d05.jpg
- **Posted:** 2025-10-12T13:49:25.000+00:00
- **Account Owner:** Chandralekha Mittemari Ravikumar (@financewizardcl) — https://gondola.cc/financewizardcl

## Caption

🤯This guy on Raj Shamani’s podcast claimed he makes 25%monthly returns from the stock market. Sounds exciting, but here’s the reality behind such claims.

Hi, I am Chandralekha and I love talking about money.
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In investing, anything that sounds too good to be true usually is. Even the greatest investors like Rakesh Jhunjhunwala and Warren Buffett earn around18–20% per year, not per month.
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Here’s what realistic investing looks like in India:
✅Debt investments: Around 7% annual returns after tax.
✅Equity investments: Around 12–15% annual returns after tax and expenses.
That is roughly1% per month, not 25%.
Instead of chasing impossible returns:
✅ Focus on increasing your income by 10–15% every year.
✅ Increase your SIPs as your income grows.
✅ Stay invested and let compounding do the work.
Real wealth is built through consistency, not hype.

#investing #personalfinance #mutualfunds #money #wealth

## Stats

- **Views:** 589,292
- **Likes:** 24,049
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- **Comments:** 263

## Tags

wealth, personalfinance, mutualfunds, money, investing

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