This is HOW I INVEST MY MONEY at 27! (100% Honest)

Overview (Video Summary: “How I Invest My Money” — Age 27)

The video shares Herman’s finance approach and how he allocates his money across several asset classes, with real estate as the primary priority. He also discusses adding global equity exposure via US stocks (through India), using SIPs for consistency, holding small gold exposure, and investing in his business/self.

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Asset Classes / Instruments Mentioned (and How He Uses Them)

1) Real Estate (Primary Priority)

• He had acquired 2 properties by age 27.
• Belief (very bullish stance):
  • Real estate prices “have always been on the rise.”
  • He claims prices “will never decrease.”
• Constraints / cautions:
  • Requires “good capital.”
  • Property prices in “good cities” are said to have increased a lot.
  • If you can’t buy property, he suggests investing in other assets instead.

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2) US Stocks (via India)

• Motivation:
  • He describes the Indian market as not growing fast.
  • His Indian portfolio has been in loss for a long time.
• Companies he mentions/uses:
  • Apple (AAPL)
  • Microsoft (MSFT)
  • Google / Alphabet (GOOGL/GOOG)
  • Amazon (AMZN)
  • Tesla (TSLA)
  • Mentions “Via” (unclear ticker; may be Visa (V))
• FX / currency note (rupee vs dollar):
  • He says the rupee is falling, and expects that if he holds dollar-denominated assets, he may benefit from the FX movement (partial hedge idea).
• Platform / mechanism mentioned:
  • IIFL Money (subtitle appears as “IAD Money”)
  • He describes it as regulated by IFSC A under IFSCA
• How he invests:
  • Fractional investing (buy parts of expensive shares)
  • Minimum start amounts:
    • Fractional access: as low as ₹100
    • SIPs: weekly/monthly from ₹500
  • Mentions tax report downloads to support his CA for filings.

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3) Mutual Funds (SIP for Consistency)

• Reason for SIPs: he struggles with remembering to invest monthly, so SIP enforces discipline.
• He runs SIPs in three funds:
  • Motilal Oswal Mid Cap Fund
  • Parag Parikh Flexi Cap Fund
  • Nippon India Silver ETF (chosen when silver was moving “very fast”)
• Performance commentary (no exact returns stated):
  • He says two are “testing positive” and one is negative for him, but overall is positive.
• Explicit disclosure:
  • He says “not giving any investment advice”—it’s what he’s doing and wants to keep it small.

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4) Direct Indian Stocks (Current Allocation: None)

• He states he currently holds no Indian stocks.
• He sold earlier holdings at a loss of 23%.
• Rationale:
  • He “needed to invest somewhere else” due to an opportunity (details promised later).
• Philosophy:
  • He says he’s not “wedded” to one asset class; decisions may change as conditions change.

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5) Gold

• Allocation: small (he mentions owning a ring and pendant).
• Thesis: gold is safe and historically stable; it rises over long periods with short pullbacks.
• Key numeric rule-of-thumb:
  • 1 kg gold ≈ ₹1.5 crore (in his example “today”)
  • He claims this corresponds to Tier 1 house affordability, and that 10 years ago the equivalent matched affordability similarly.

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6) Investing in His Own Business / Self

He frames his business as an asset by investing in:

• Business/income growth
• Tools and quality (camera, laptop, lights, mic) to improve output and reduce friction
• Also mentions “investing in yourself”

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Methodology / Framework (As Described)

• Real estate first: build wealth via property; acquire early if possible.
• Add global equity exposure through US stocks, gradually, using:
  • fractional investing
• Use SIPs in mutual funds for consistency and to avoid behavioral issues (forgetting/timing).
• Keep flexibility with Indian stocks:
  • re-enter when there’s a clear opportunity
• Maintain small “safer diversifiers”:
  • Gold (small hedge-like allocation)
• Invest in business/self to raise future income potential

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Key Numbers / Explicit Recommendations & Cautions

Timeline / age

• Age 27
• Started earning 5 years ago

Real estate

• 2 properties by age 27

Investing mechanics

• Fractional investing: start from ₹100
• SIPs: start from ₹500, weekly or monthly

Indian stocks

• Sold at -23%
• Currently holds none

Gold

• 1 kg gold ≈ ₹1.5 crore
• He links it to Tier 1 house affordability across a 10-year comparison

Implied recommendations

• Prioritize real estate if you have the capital
• Use SIP to reduce consistency risk
• Don’t marry one asset class—adjust based on conditions

Cautions mentioned

• Real estate requires substantial capital
• His Indian portfolio has been in loss, motivating alternative allocations

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Disclosures / Disclaimers

• Mutual funds: he explicitly says “not investment advice.”
• He emphasizes the investing platform is legal/safe and regulated (mentions IFSCA).

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Tickers / Assets Explicitly Mentioned

• Apple (AAPL)
• Microsoft (MSFT)
• Google / Alphabet (GOOGL/GOOG)
• Amazon (AMZN)
• Tesla (TSLA)
• Mentions “Via” (unclear; possibly Visa (V))
• Mutual funds:
  • Motilal Oswal Mid Cap Fund
  • Parag Parikh Flexi Cap Fund
• Nippon India Silver ETF
• Gold (physical form): ring and pendant

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Presenter / Source References

• Presenter: “Herman” (from the channel context: Herman in Realestate)
• Platform referenced: IIFL Money (subtitle wording appears as “IAD Money”)
  • Described as regulated under IFSCA