From Discipline to Smart Investments – Sandeep Mahajan x NS Wealth Solution

Building a secure financial future often requires a combination of discipline, expertise, and personalized planning. For Sandeep Mahajan, an IT professional with over 20 years of experience, partnering with NS Wealth, a SEBI-registered investment advisor. Over more than a decade, Sandeep developed a disciplined approach to managing finances, enabling him to achieve critical milestones with confidence.

A Humble Beginning: Finding NS Wealth

Sandeep’s initial foray into investing began in 2007 with a basic Demat account. Like many, he made a few mistakes early on, including halting investments during the global recession of 2008. By 2013, a financial awareness session introduced him to NS Wealth, setting the stage for a transformative relationship.

“At that time, I had only ₹10,000 in my savings account,” Sandeep recalled. The advisory team conducted a detailed assessment of his assets, liabilities, income, and expenses, helping him build a roadmap to financial stability.

Key Achievements Through Financial Planning

With NS Wealth’s expert guidance, Sandeep achieved significant milestones:

• Building an Emergency Fund: Within six months, Sandeep established a robust emergency fund to safeguard against unexpected expenses.

• Debt-Free Living: He successfully prepaid his home loan in just 10 years.

• Diversified Investments: Sandeep transitioned from traditional policies to a diversified portfolio, including SIPs, insurance, and equities.

• Family Inclusion: He introduced financial planning to his entire family, teaching his children and spouse the importance of saving and investing.

The Power of Patience and Discipline

One of the most significant lessons Sandeep learned was the value of patience and financial discipline. “I used to think of investing only after spending,” he admitted. “Now, I prioritize investments first and spend later.” This shift in mindset allowed him to adopt a systematic approach, avoiding impulsive financial decisions.

NS Wealth’s disciplined and research-driven methodology also proved invaluable during turbulent times, such as the COVID-19 pandemic. “In late 2019, we moved funds from equity to liquid assets, avoiding major losses during the market crash,” he said. “When the markets recovered, we reinvested, achieving an 18% return.”

Advice for the Young Generation

Sandeep emphasized the importance of starting financial planning early. “Had I begun in my 20s, I might already be retired,” he reflected. He advised young professionals to:

1. Understand their assets and liabilities.

2. Seek guidance from SEBI-registered advisors for unbiased advice.

3. Prioritize savings and investments over luxury spending.

4. Leverage tools like Spring Money to monitor and track progress.

“Don’t shy away from seeking help,” he urged. “With proper financial planning, you can achieve your dreams faster.”

Watch Sandeep’s Journey

To hear Sandeep’s story and insights into the benefits of NS Wealth, watch the full video:

Get in touch

Sandeep’s journey illustrates how personalized financial planning and modern tools can transform financial habits and outcomes. Whether you’re building your emergency fund, planning for retirement, or teaching your family about investing, expert guidance can help you reach your goals with ease.

Are you ready to take control of your financial future? Explore Spring Money today to start your journey toward financial freedom.