I have ₹X to invest — where do I start on this platform?

Good starting point. Here's the sequence that actually makes sense before you touch any product.

Step 1: Know your numbers first

Before Asset Allocation — definition">asset allocation, fund selection, or anything else, you need four ratios computed on your own situation: ^[1]

• Liquidity ratio — do you have enough accessible cash?
• Savings rate — what fraction of income is actually investable?
• Debt-servicing ratio — how much of your income is already committed to EMIs?
• Goal-linked SIP — what monthly investment does your actual target require?

Without these, every subsequent decision is guessing. ^[2]

Step 2: Understand what "wealth" you actually have

Your ₹X is just one piece. The framework here distinguishes: ^[2]

• Financial portfolio — the ₹X you're asking about
• Human capital — present value of your future earnings (often the largest asset for a working person)
• Health, skills, social capital — real economic buffers

How you invest ₹X should depend on the shape of all of these — not just the liquid pile.

Step 3: Work through the curriculum in order

The platform has a 9-module sequence. The logic of the order matters: ^[2]

1. Financial planning ratios → baseline
2. Investment philosophy / total wealth → context
3. SAA — Strategic Asset Allocation — definition">Strategic Asset Allocation → the decision that explains ~90% of long-run portfolio variation
4. Asset classes → what's actually available in India (equity, fixed income, gold, REIT — Real Estate Investment Trust — definition">REITs/InvIT — Infrastructure Investment Trust — definition">InvITs, AIF — Alternative Investment Fund — definition">AIFs, PMS)
5. Mutual fund evaluation → screening for alpha, Expense Ratio — definition">expense ratio, Tracking Error — definition">tracking error
6. IR) — definition">Information Ratio → honest measure of manager skill
7. Factor investing → value, momentum, quality in the Indian market
8. Tax planning → post-Finance Act 2024 capital gains rules, ELSS economics
9. Macro context → when (if ever) to deviate from your strategic allocation

One transparency note

This platform is an ARN-registered MFD — Mutual Fund Distributor — definition">Mutual Fund Distributor — it earns distribution fees on transactions. It is not a SEBI-registered RIA (which would carry a fiduciary duty). The education is free; personalised fiduciary advice requires a SEBI-RIA. ^[3]

Apply this → Start with the financial planning ratios calculator: /learn/06-financial-planning-ratios/