Driven by a mission to help people achieve financial independence, Manish has guided countless clients toward secure futures through wise investments. He has built a remarkable career, transitioning from managing a successful stationery shop in Udaipur to becoming a prominent figure in financial planning. His accolades include managing big money for mutual funds, with his AUM touching INR 100 crores, and being recognized as a silver and gold partner. With a deep understanding of long-term investments and the power of compounding, he has grown his portfolio to an impressive INR 3 crores.

Manish Joshi is a highly dedicated Mutual Fund Distributor who firmly believes in his mission to help people realize their financial dreams. With a deep sense of responsibility and commitment, Manish works tirelessly to guide his clients toward a secure and prosperous future through wise investment choices.

Manish's core investment philosophy revolves around the concept of long-term investment. He often suggests to his clients that investing for the long term is one of the most effective ways to build wealth and ensure financial stability. However, he acknowledges that convincing people to embrace long-term investments can be quite challenging. Many individuals come up with various excuses to avoid committing to long-term financial plans. Common reasons include concerns about what others might think, a belief that they do not have enough money to invest, and other financial anxieties. Despite these hurdles, Manish remains steadfast in his efforts to educate his clients about the importance of consistency in long-term investing.

To make his point, Manish uses a relatable analogy. He explains that investing should be viewed like raising a child. Just as a child requires nurturing and care to grow and eventually supports you in your old age or during times of need, long-term investments need consistent contributions and patience to mature and provide substantial returns. He emphasizes that while investing in people can sometimes result in losses, long-term investments in mutual funds are more reliable and can significantly enhance one's quality of life and financial security in the future.

Beyond mutual funds, Manish also offers his expertise in other crucial areas of financial planning. He guides his clients on insurance, term plans, and medical policies, considering these elements as the backbone of any comprehensive financial strategy. Manish believes that having a thorough understanding of these aspects is essential for achieving overall financial security. He takes out time to ensure his clients are well-informed about the different options available to them and the benefits each can provide.

In the realm of mutual funds, Manish advises on both Systematic Investment Plans (SIPs) and lump sum investments. He explains the advantages of SIPs, which allow investors to contribute a fixed amount regularly, thereby averaging out market volatility and fostering disciplined investing habits. On the other hand, lump sum investments involve investing a significant amount of money at once, which can be beneficial during market downturns or when the investor has a substantial amount of idle cash. By educating his clients on both methods of investing, Manish helps them make informed decisions based on their financial goals and risk tolerance.

One of Manish's key messages is that mutual funds are not limited to the stock market. He informs his clients that mutual funds can include investments in various asset classes such as gold, silver, and real estate. This diversification can help mitigate risks and enhance returns. Manish highlights that mutual funds offer the potential for bank FD-like interest rates but with notable tax advantages. Unlike fixed deposits (FDs), where taxes must be paid regularly, mutual funds provide tax efficiency since taxes are only due when the money is withdrawn and used. This feature can significantly boost an investor's overall returns.

To further illustrate the limitations of bank FDs, Manish uses a vivid analogy. He compares holding a bank FD to buying a luxury BMW car that remains unused. Even if you never drive the car, you are still required to pay for its insurance and maintenance every year. Similarly, with bank FDs, investors must pay taxes on the interest earned annually, which can be a substantial financial burden. Manish points out that with inflation (referred to as "dearness") increasing by 5-7% annually, an FD offering a 6% return becomes less attractive, especially after accounting for a 30% tax on the interest earned. In such scenarios, the real returns on FDs fail to keep pace with inflation, eroding the purchasing power of the invested money.

Manish stresses the importance of having investment tools that can outpace inflation. He provides another practical example to illustrate his point. If you were to keep INR 100 in your cupboard and retrieve it after a year, it would still be INR 100. However, due to inflation, the purchasing power of that INR 100 would have diminished, meaning you would need more than INR 100 to buy the same goods or services you could have bought a year ago. Similarly, when large sums of money are kept in bank FDs, they fail to grow at a rate that exceeds inflation, resulting in a loss of real value over time.

Manish firmly believes that his purpose in life is to help people understand that money can bring freedom and independence. He asserts that financial independence can liberate individuals from the constraints of their jobs, allowing them to live more fulfilling lives. He recounts his own experiences of missing important family events, such as weddings, parties, and even funerals, due to job commitments. Manish is determined to educate people on the importance of investing in a way that not only grows their wealth but also brings them independence from job-related obligations.

He advocates for a financial strategy where individuals work diligently and invest wisely for the first 10-15 years of their careers. During this period, they should focus on building a robust investment portfolio that can provide for their future needs. After this initial phase, their money should work for them, generating returns that support them for the next 20 years or more. Manish envisions a future where individuals can enjoy financial freedom, pursue their passions, and spend quality time with their loved ones, while their investments continue to grow and provide financial security.

Manish Joshi firmly believes in the mantra of financial freedom, emphasizing that true independence is not just about political freedom but also about financial independence. He often reflects on the common perception that India is now free, yet he sees many individuals who are still not independent due to their job constraints. Manish shares his own story, recounting how his father, who worked for Hindustan Zinc, always urged him to study hard and secure a stable job. This constant push made Manish question the perpetuity of this cycle where his father worked a job, he would work a job, and then his children would follow the same path. Manish decided he wanted to be the one to break this cycle of financial dependency.

Manish explains his vision with a practical example: if a family consistently invests INR 20,000 every month for a period of 20 years, this disciplined approach would not only benefit the immediate family but also secure financial stability for the next six generations. He passionately encourages families to adopt this long-term investment strategy to break free from the cycle of financial dependence, ensuring that their future generations too enjoy a steady income stream.

Manish also addresses the plight of business owners who, despite their success, remain tied to their businesses, needing to keep their shops or companies open to generate income. He shares that some of his clients have managed to build portfolios worth around INR 2 crore. These clients often seek his advice on whether they should continue working. Manish's advice is straightforward: with such substantial portfolios, they no longer need to work unless they wish to. For instance, with a portfolio of INR 1 crore, it is possible to withdraw INR 50,000 monthly through a Systematic Withdrawal Plan (SWP), providing a comfortable income without the need for additional employment.

Manish emphasizes that the amount of initial investment does not matter as much as starting early. He stresses that even individuals having small amounts to invest, such as INR 20,000 or INR 50,000, should begin their investment journey as soon as possible. The earlier one starts investing, the more they benefit from the magic of compounding. Manish passionately describes compounding as the eighth wonder of the world, illustrating its power to grow small investments into substantial wealth over time.

Manish's understanding of compounding deepened during the 2007-2008 period when he first learned about mutual funds. In 2009, he took a bold step and began his own Systematic Investment Plan (SIP). Even by the year 2014-2015, he had very little to show for his efforts. However, his persistence paid off, and today, that same SIP has grown his portfolio to an impressive INR 3 crores. This growth has provided Manish with the financial freedom to retire comfortably while ensuring a steady monthly income of INR 1.5 lakh for life. His well-planned investments also allow him to provide financial independence to his son, ensuring that his family enjoys a secure future.

Manish advises against the conventional method of saving, where people save whatever is left after fulfilling their needs and wants. He suggests a more disciplined approach: fix an amount for saving and investing that amount first before spending on other expenses. This method ensures that savings and investments are prioritized, leading to more significant financial growth over time.

Reflecting on his roots, Manish shares his deep connection to his birthplace, Magwas village in Jhadol tehsil of Udaipur district, Rajasthan. He believes that one should never forget their birthplace. Every visit to his village brings back cherished childhood memories. Manish's family, including his parents and grandparents, spent their lives there, and his childhood began in Jagdish Chowk, Udaipur.

He fondly remembers the Jagdish Chowk library, a place so renowned that merely mentioning its name commands respect. He pays tribute to his father's elder brother, Chandan Joshi, whose legacy still influences Manish's recognition in the community. He spent 17 years of his childhood near Jagdish Chowk, where the library played a pivotal role in shaping his life and the lives of many others. The library was a significant part of his formative years, providing a wealth of knowledge and inspiration. Manish recalls how people often referred to him as his uncle's PA, as he was the first point of contact for anyone seeking his uncle's counsel. This early exposure to his uncle's work and the library's environment profoundly influenced Manish's outlook on life and his dedication to helping others achieve financial independence.

Manish Joshi fondly recalls his early experiences, which played a crucial role in shaping his career and building his confidence. As a young boy, he was given the responsibility of collecting all the information from people who visited or called, and then conveying that information to his uncle. Remarkably, this responsibility came to him when he was just in the 4th grade. Despite his young age, many important and influential people trusted him and spoke with him.

Manish vividly remembers that when he was in 4th grade, distinguished individuals such as Sukhadia Sb, Girija Vyas, and Gulab Chand Kataria frequently visited their home. These early interactions with notable figures were pivotal for him. He believes that these experiences marked his first step into the field he is in now. The confidence he developed during these formative years has been instrumental throughout his career.

He explains that the confidence that he developed early, cultivated from a young age, has enabled him to comfortably interact with high-ranking officials such as RAS and IAS officers. When Manish engages in conversations with such prominent individuals today, he feels a sense of assurance and ease. He attributes this confidence to the lessons imparted by his uncle, who taught him that no matter how important or influential a person may be, they are still human, just like everyone else. This perspective has helped Manish to never hesitate or feel intimidated when talking to significant personalities.

Elaborating further on his educational background, Manish shares that he completed his schooling at Central School in Udaipur and then at Fateh School. Upon finishing his 12th grade, he had a candid conversation with his father. He acknowledged that he was an average student and expressed his desire to lead a life where he could work and earn his own money. Although his father provided him with a monthly allowance, Manish had his own dreams and ambitions that he wanted to pursue.

Despite some initial skepticism, his father decided to support him by setting up a shop. This marked the beginning of Manish’s business journey with his shop, ‘Manish Photocopy & Stationery’. Although the shop was small, it quickly gained a reputation in Udaipur. Manish proudly shares that if someone asked around in Udaipur about his shop, most people would know it. He also mentions that while he was affectionately known by his pet name "Pintu" before, the establishment of his shop led people to recognize and know him by his actual name, "Manish." Many of those who knew him as "Pintu" during his school days now recognize him as "Manish," thanks to his shop.

Manish takes great pride in his shop and says he was deeply passionate about the work he did there. During his time running the shop, he established connections with around 28 schools. This network later became invaluable as he transitioned into his current field. Today, he visits those same schools to educate people about mutual funds and encourage them to invest.

A significant development took place in the year 2002, when  his father decided to take early voluntary retirement from his job. After making this decision, his father offered to Manish that he would look after the shop and Manish could go for higher studies.

Manish thought carefully about his father’s offer. He had dreams of becoming a nurse and believed that pursuing this career was important. Manish explains that his goals always kept changing. At one moment, he was interested in business, and the next, he was focused on nursing. This constant change in direction was a significant part of his journey.

At that time, Manish felt a strong sense of confidence. He was certain that he would be able to secure a government job, which was something he really wanted. His father supported this dream and reassured him. He told Manish that if he would not be able to find a job at Hindustan Zinc, a well-known company, he would do his best to help Manish find a position as the head of an office somewhere else. With this encouragement from his father, Manish felt clear about his plans. He decided that from 2002 to 2004, he would focus entirely on his nursing studies and then transition to looking for a government job afterward.

During the years 2002 to 2004, while Manish was studying nursing, the family shop was also running successfully. The shop was doing quite well, which brought some good fortune into his life. Because of this success, he received a promising marriage proposal. After considering the proposal and discussing it with his family, Manish made the important decision to get married. He eventually tied the knot and started a new chapter in his life.

In 2005, Manish began working at an organization called Narayan Seva Sansthan. Here, he was dedicated to his work and earned several awards for his contributions. He was very passionate about his job, and worked hard to make a difference. He was so committed that he managed to vaccinate an impressive number of people—up to 2,000 individuals in a single day! He consistently met and exceeded his targets, which made him proud. Since childhood, Manish had always been motivated to set goals for himself and to achieve them with enthusiasm. This drive for accomplishment was a key part of his character.

Manish shares that, in addition to his professional aspirations, he has always had a deep love for dancing. Since he was a young boy, he enjoyed dancing and was quite good at it. His talent was so remarkable that even his extended family would invite him to family gatherings specifically to watch him dance. Because of his dancing skills, he often attended many weddings, where he could showcase his talent and enjoy the celebrations.

However, he acknowledges that as he grew older and took on more responsibilities, he had to make sacrifices. Due to his job commitments and the pressures of adult life, he found himself having to leave behind his passion for dancing and playing cricket. He missed out on many of his hobbies and activities that once brought him joy. During this challenging phase of his life, he faced struggles and difficulties. Although he had big dreams and aspirations, his income was quite limited, ranging from only 1,500 to 2,000 rupees each month. This amount was not enough to support his lifestyle or fulfill his dreams. He earned a small income from the family shop and approximately 2,000 rupees from his job, which made it hard for him to make ends meet. Eventually, he realized that he needed to take action to improve his financial situation, so he decided to leave his job in search of better opportunities.

One day, while sitting in the family shop, Manish had an unexpected encounter that would change the course of his career. A young man came in and informed him about a woman who worked in the mutual fund industry. This woman was looking for someone to assist her with various tasks in the market. Manish saw this as a potential opportunity to increase his income. He felt excited and decided to take on this new role. He thought that working with her could help him earn more money and support his family better. This moment marked another significant change in his goals and aspirations.

As he began working in the mutual fund field, Manish made a complete shift away from nursing. He immersed himself in the world of health insurance policies and mutual funds. During that time, he observed something surprising: many people who were earlier hesitant to give him even a small amount like 100 INR, were willing to write large cheques for 5 lakh or even 10 lakh INR for mutual funds. This observation opened his eyes to the potential of this new field. He worked diligently and learned about the field as much as he could. However, after a year, he felt it was time to ask for a raise in his salary. Unfortunately, he realized that sometimes things do not go as planned. He believes that it was simply not meant to be, as fate had other ideas for him, and he ended up leaving that job.

When Manish left his job, his family was not very happy with his decision. They were concerned because they thought it was becoming a pattern for him to leave jobs frequently without finding stable work. After quitting the job, Manish spent about one to two years exploring various opportunities. He was determined to find a way to earn more money and support his family. During this time, he kept his eyes open for new possibilities.

Then, a significant change occurred in India when it became mandatory for everyone to have a PAN card. Recognizing a new opportunity, Manish decided to start getting PAN cards made for people. He saw this as a chance to help others while also improving his own financial situation. He considers it a great achievement that he managed to get  10,000 PAN cards made during that time. He takes pride in this accomplishment and keeps detailed records of all the PAN cards he got made in an Excel sheet.

Manish also took the initiative to visit villages and educate people about the importance of having a PAN card. He explained to them how crucial it is for various financial transactions and government services. He feels proud that he was able to help others understand the significance of having a PAN card, which is essential for their financial identity in India.

From 2007 to 2008, Manish continued to expand his knowledge and skills. He began teaching people about mutual funds and the stock market. He was also working as an LIC agent, which allowed him to gain more experience in the financial sector. Manish recalls that during that period, there was a small correction in the market. The stock market dropped significantly, with the index going from 18,000 INR down to 8,000 INR. This meant that individuals who had invested INR 1 lakh saw their investments decrease to around INR 15,000. This situation was challenging for many investors, and Manish felt it was important to help them navigate these difficult times.

Manish recounts a time when there were no online platforms like YouTube or Google to assist you in your work. Everything had to be done in person. He visited people’s homes, sorting through piles of papers and documents, often finding the same person using different mobile numbers, addresses, and email IDs for various documents, making the task chaotic. Manish advised these individuals to organize all their documents properly, creating a folder for each one. He also educated them about mutual funds. He expresses gratitude to a company named Prudent, which launched software that consolidated all mutual fund information in one place.

When the market declined, leaving only a few advisors in the market, Manish saw this as a divine opportunity to make a difference. At that time, companies announced commissions for those who could no longer provide their services but were willing to exchange their distributor or broker codes. This gave Manish a chance to step in and offer his expertise.

Manish recalls the support he received from the people of 'Mandi Ki Nal.' Many regarded him as family and were willing to help. He specifically mentions Surya Prakash, who not only provided him with a place to work but also brought him tea, a gesture Manish deeply appreciates. Through his "Meri Kahani" video, Manish extends his heartfelt thanks to everyone who supported him during those challenging times. He acknowledges that those small acts of kindness played a crucial role in his journey to managing assets worth INR 100 crore today, a stark contrast to the days when arranging INR 1-2 lakhs seemed impossible.

Moving forward, Manish cleared his AMFI certification in 2009 and began his work in mutual funds. However, this period was bittersweet for him. Despite his professional success, he faced personal challenges. Manish and his wife, married in 2002, struggled to have a child for many years. This hardship made him question the purpose of his hard work. He visited numerous hospitals and temples, seeking a solution.

Manish shares that his children were born through IVF, a procedure that cost INR 1.5 lakhs at a time when his monthly income was only INR 2000. Determined to go for the procedure, he traveled to Ahmedabad where the doctor informed him that the room charges alone were INR 5000 per day. Manish convinced his wife to stay there while he returned to Udaipur to earn the money. He rented a store room for INR 1200, left his wife there, and went back to Udaipur.

In Udaipur, Manish worked tirelessly, completing 21-22 policies and going door-to-door offering new mutual funds and insurance. His relentless effort made him earn the required INR 1.5 lakhs for the IVF procedure.

Manish recounts the moment when he finally deposited the amount needed for the IVF procedure, filled with hope and expectation. However, upon returning to Udaipur, he and his wife received the heartbreaking news that the procedure had failed. Despite this setback, the hard work and dedication he demonstrated during those challenging months made him realize his capacity for sustained effort. This realization gave him the confidence that he could maintain this level of hard work and achieve financial stability.

In 2013, Manish received the joyous news of the birth of his child. By then, his financial condition had improved significantly, giving him the capability to afford as many IVF procedures as needed. That period marked a turning point in his life, bringing both professional and personal fulfillment.

Up until 2020, Manish worked with prestigious companies like ICICI Prudential Mutual Fund, Nippon Mutual Fund and UTI, and several smaller firms. He acknowledges the benefits of working with these large organizations, which provided him with their platforms, office space, and essential training. He expresses gratitude to Nippon and ICICI for offering him opportunities that were crucial in his career development. These companies not only provided him with office facilities but also ensured he was well-equipped with knowledge and even offered small gestures like snacks and tea, which he deeply appreciated. Over time, he progressed to become a Silver and then a Gold partner with these firms.

Manish shares a memorable incident when Gaurav Choudhary from Nippon sent him to a meeting at the Delhi Hyatt, even though he wasn’t qualified for it at the time. The grandeur of the Hyatt Hotel left Manish in awe, bringing him to tears as he had never imagined experiencing such luxury. He marveled at the opulence he once thought was beyond his reach. Remarkably, today he has a house with nine bathrooms, reminiscent of the luxury he once witnessed at the Hyatt.

The COVID-19 pandemic brought significant challenges in 2020, but it also ushered in an online revolution that transformed Manish’s business. Before the pandemic, he would travel 10-12 kilometers to explain mutual funds to clients. Post-COVID, he was able to connect with clients across India and internationally in the US, Canada, Hong Kong, and Dubai. This shift was made possible through online platforms, Facebook, referrals, and word of mouth, enabling him to acquire 50-60 new investors. His existing clients also played a crucial role in helping him expand his client base abroad.

Manish recalls starting his business with very modest beginnings. Many of his clients began with investments as small as INR 1 lakh and have now become millionaires. He emphasizes that these clients were not initially wealthy; their small investments grew significantly over time, demonstrating the power of smart financial management. Through these successful investments, Manish's Asset Under Management  has now grown to INR 100 crore.

Reflecting on a major turning point after 2020, Manish mentions the launch of a new software by the Bombay Stock Exchange (BSE). This software required clients to fill in their details only once, streamlining the process and ensuring that their information remains consistent across all mutual funds. Prior to this, Manish had to manually enter the same details for each document, which often led to chaos and inefficiency.

Manish recounts how he registered a mandate, highlighting a significant improvement in the efficiency of financial processes. Previously, stopping and restarting an SIP (Systematic Investment Plan) would take one and a half months, but now, thanks to new platforms and software, it takes only one and a half days. These advancements have empowered him to achieve his current success.

In 2020, Manish was managing assets worth INR 30 crore and overseeing 600 SIPs. At that time, he was not fully aware of the power of compounding. However, by 2024, he witnessed the transformation of those INR 30 crore into INR 100 crore and the growth of SIPs to 2,300. He attributes this growth to the effective use of new technological platforms.

Manish expresses his gratitude to his backbone, the three to four team members who handle his operational work flawlessly. He appreciates the dedication of the women in his office, who work tirelessly from 10 AM to 3 PM without a break due to the high volume of work. He feels immense satisfaction in helping people achieve their financial goals.

He likens his work to that of doctors, priests, and lawyers, stating that while people often visit these professionals in distress, his clients come to him when they are happy. He recalls a client calling him early one morning to express gratitude, saying that due to Manish's investment advice, he had become a crorepati (millionaire).

Manish shares an incident involving his daughter, who goes to MMPS. He once asked her teacher what career prospects students from the school had. The teacher listed traditional roles like doctors, engineers, and lawyers. A year later, Manish explained the importance of investing to the teacher, emphasizing that if clients follow the ABCs of investing, they can achieve all their goals.

When asked about his role models, Manish reflects on the various influences throughout his life. In school, his teacher, Sushil Sir, was an important role model, teaching him balance and the principle of not overdoing anything. His parents are his second role models; they have been liberal and friendly, and he often has long discussions with his father on various topics.

He advises parents to be friendly with their children and recognize their talents, as everyone has unique abilities that just need to be discovered. He shares a touching story about his father, who once asked him, with his hand on Manish's shoulder, who the most important person in the world was. Manish initially responded that he was himself most important, but when his father asked who was more important between them, Manish replied that his father was more important. This demonstrated that Manish felt confident as long as his father supported him.

Manish's third role model is his wife. She motivated him in subtle ways, such as asking for pricier sarees, which inspired him to work harder. He eventually gifted her the most expensive saree in the shop, marking his accomplishment. He persuaded his wife to leave her job and join him in his business, referring to her not as a housewife but as a "home minister" who manages the household and family exceptionally well.

He extends his gratitude to mutual funds, insurance companies, and various other platforms that have supported his journey.

Manish also shares his fondness for the Panchatantra, stating that he regularly reads its stories. He finds that the tales contain valuable lessons about distributors, investors, greed, and trust, which he often uses as examples when discussing mutual funds. He recommends reading the Panchatantra, as he believes readers might find parallels to their own lives within its stories.

Manish shares a piece of wisdom he holds dear: "Anyone can break a finger, but not a fist." He explains that during his time in the mutual fund industry, he formed a close-knit group with four friends, calling themselves "We 5." Their unity and collective strength have earned them the respect of even the most prominent fund managers from Mumbai, who always prioritize speaking with them first, not because of their individual size, but because of their powerful unity. Manish believes that there is immense strength in unity, and that collective effort enables greater growth and success.

He expresses deep gratitude to his family—maternal, paternal, and in-laws. Contrary to societal advice against involving family in financial matters, Manish acknowledges that a significant portion of his investments come from his in-laws and maternal family. He appreciates the support and trust they have shown in his endeavors.

Manish also thanks his community, which has entrusted him with roles such as District Chairman of several organizations and Sarvgaman Samaj Chairman. He attributes these honors to his nature and hard work, feeling humbled by the recognition and responsibility bestowed upon him.

He mentions another key role model in his life: truth. Manish emphasizes the importance of honesty, teaching everyone to be truthful. He says that while lies require constant maintenance, truth stands firm and unchanging.

When asked about the quote that motivates him, Manish shares his guiding principle: "We should do such work that even when we are asked to do it at midnight or early morning, we don’t feel sad." He believes that work should bring joy, and if it doesn't, one should take an hour from their busy schedule to reflect and rejuvenate. His life is now so settled that he can easily indulge in passions he once set aside, like dancing and cricket.

Reflecting on his achievements, Manish proudly recalls receiving his first trophy for managing INR 25 lakhs for Nippon. That initial recognition brought him immense happiness, a joy unmatched by subsequent awards, even as he became a Silver and Gold partner. One particularly memorable accolade featured his picture under the headline "100 Crorepati Jaldi Banane Wale Hai" (Soon to Become a 100 Crorepati) in a Nippon newspaper.

Manish mentions that his office locations have evolved over time, moving from Alkapuri to Chand Pole, and now to Arvanah Mall. Regardless of the office changes, he always carries that Nippon newspaper clipping with him, as it symbolizes his unwavering goal of managing assets worth INR 100 crore.

Manish also believes in the power of manifestation and advises people to write down their goals and continually speak them into existence. He emphasizes that if someone aspires to achieve INR 100 crore, they should keep writing "100 crore" everywhere to reinforce their vision.

Reflecting on his school and college days, Manish shares that he never received trophies for cricket matches. However, today, his community invites him to play cricket, and he proudly receives trophies. This acknowledgment means a lot to him. At 35, he is proud to compete with 25-year-olds and win, as it affirms his health, fitness, and enthusiasm.

Manish’s message to new distributors entering the market is rooted in his own experiences. He recalls being criticized for going door-to-door with his bags. He stresses the importance of knowing whether one truly wants to become a distributor. He suggests that having a background in commerce is beneficial, but a science background can also work. He encourages utilizing the wealth of information available on Google and YouTube. He acknowledges that becoming a distributor is not overly difficult; one just needs to clear the AMFI exam, which requires some effort. However, he emphasizes that hard work is crucial in this field.

Manish explains that the cheques he receives today are the result of hard work that others don’t see. While people admire his success and his house, he sees the foundation that he built through perseverance and dedication.

His message to investors is to never neglect their money. He advises against letting money sit idle and urges investing in mutual funds, fixed deposits, or insurance. He advocates long-term investment, believing that short-term investing is not ideal. Manish emphasizes the importance of having in-depth knowledge before making any investment. He cautions against investing through apps without proper understanding.

Manish uses a Mahabharata analogy to illustrate his point: Duryodhan lost despite he opted for Krishna’s large army, while Arjuna won because he sought Krishna’s guidance. The lesson is that no matter how substantial your portfolio, without the right guidance, success is unlikely. He advises investors to be patient, have faith, and commit to long-term investments. He also stresses the importance of having a mentor (guru), drawing a parallel to how a doctor cannot operate on his own son, implying that self-investing without expertise can be risky.

Manish concludes by urging individuals to find a trustworthy advisor and hold onto them, as proper guidance is invaluable in the world of investments.

Through his narrative, Manish conveys the importance of hard work, the support of loved ones, and the power of modern technology in achieving financial success.