Financial experts Hemant Rustagi, CEO of Wiseinvest, and mutual fund expert Vishwajeet Parashar outlined seven key principles for investors during Raksha Bandhan 2026. According to reports from Zee Business, these principles emphasize long-term wealth creation over quick returns, with experts stressing that financial gifts don't have to mean immediate consumption but can help siblings develop sound investing habits for lasting financial security.
The experts emphasized that investing should be treated as a long-term process rather than something that can be switched on and off. As reported by Zee Business, Rustagi stressed that your financial future depends on how you make your investments and what kind of process you follow, recommending investors start early to learn and correct mistakes when their investment corpus is still relatively small. Parashar advised against simply increasing lifestyle expenses as income grows, instead recommending investors step up investments by around 5%-10% depending on capacity so that investment contributions grow alongside income.
Both experts highlighted the importance of diversification across asset classes including equity, debt, and gold, depending on risk profile. According to Parashar's guidance reported by Zee Business, investors should create an asset allocation suited to their risk profile and review it periodically. The experts emphasized that asset allocation should evolve with financial goals, investment horizon and changing circumstances rather than being based purely on current performance. Parashar cautioned against putting short-term money into long-term, high-risk investments and suggested a minimum equity investment horizon of 5-7 years.
The experts stressed the importance of controlling emotions during market ups and downs, with Parashar noting that investment is not about IQ, it is about your emotional quotient. As reported by Zee Business, investors should avoid constantly changing portfolios, chasing last year's best-performing funds, or getting influenced by social media tips. Parashar suggested reviewing a portfolio roughly once every six months or a year rather than making frequent changes, and warned against buying 20-30 mutual funds simply because they delivered strong recent returns, recommending a smaller portfolio of around five to six funds may be sufficient.
Rustagi described research as an ongoing part of the investment process rather than something investors do only before making their first investment. According to Zee Business reports, investors need to understand markets, asset classes, and factors influencing them, including economic and geopolitical developments. Parashar cautioned against treating AI-generated answers as personalized financial advice, explaining that AI is your assistant, not the master, as it cannot understand an investor's career stability, family responsibilities, or ability to tolerate market volatility. The experts emphasized that long-term wealth creation requires knowledge, discipline, and patience - three principles that can create a stronger financial foundation than chasing investment trends.
