How to Reach ₹60 Crores Through SIPs? He Started with just ₹10K!

In this episode of The Net Worth Show, we sit down with Nikhil Kothari, Director & Chief Business Officer at Etica Wealth, to decode how one of India’s most disciplined investors thinks about money, risk, and long-term compounding.

From building his first ₹1 lakh to crossing his first crore, to managing a 100% equity portfolio without second thoughts, Nikhil shares how his investing journey evolved alongside his brother Gajendra Kothari.

👤 About the Guest
Nikhil Kothari is the Director & CBO at Etica Wealth, one of India’s leading wealth management firms. Backed by years of experience guiding clients and managing his own portfolio, Nikhil believes in keeping investing simple, disciplined, and equity-focused, no shortcuts, no noise.

🎯 In this podcast, you’ll learn:
➡️ How Nikhil built his first lakh and first crore
➡️ When he realised the “magic of compounding”
➡️ Why he still stays 100% invested in equities
➡️ When and how to rebalance your portfolio
➡️ The right way to approach STP and SWP
➡️ How to calculate the safe withdrawal % for retirement
➡️ What metrics matter while picking stocks
➡️ How to handle losses and know when to stop averaging
➡️ Money lessons he’s unlearned from middle-class beliefs
➡️ How he’d manage finances with a ₹40-50K salary today

💡 Nikhil also shares his personal framework for asset allocation, how he keeps emotions out of investing, and the best ways to learn about personal finance.

📌 Don’t forget to like, share, and subscribe for more conversations with India’s top investors, fund managers, and money thinkers.

Timestamps:
0:00 - Intro
1:10 - His Journey - 1st Lakh, 1st Crore…
5:10 - When did you realise the magic of compounding?
7:08 - Ways you’re hedging against inflation?
9:41 - What’s your Net Worth?
10:05 - What does your asset allocation look like?
12:10 - What’s your opinion on buying vs renting?
16:50 - Have you never doubted your 100% allocation to equity? How do you prevent it?
19:05 - When should we rebalance our portfolio? At what intervals?
20:30 - How should investors approach STP and SWP effectively?
24:47 - How to determine the maximum withdrawal % in SWP?
25:28 - What metrics should we look at while selecting stocks?
27:05 - How to deal with markets during lows?
31:34 - How to know when to stop averaging your loss?
33:50 - How would you manage a salary of ₹40-50K/Month? Saving - Investment - Expense
36:27 - What are some middle-class money beliefs you’ve personally outgrown or overcome?
40:23 - Best resources right now to learn about Personal Finance
43:38 - Within equities how should I diversify further to avoid concentration in a specific category?
46:08 - What are the first 2 categories of funds new comers should invest into?
46:58 - Top takeaways from this conversation?

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