Diversification & asset allocation
Asset allocation for a founder
How to split money across risk when one giant, risky bet already dominates your net worth.
How should I think about asset allocation when my startup is most of my net worth?
Start by counting your startup equity as part of your portfolio, because it is, and usually the largest and riskiest part. Once you see that, the j...
What's a simple portfolio a busy founder can actually maintain?
Boring, few, and automatic beats clever and fiddly, especially when your attention belongs to your company. A workable shape for many founders: a s...
How much of my money should be in equity versus safer assets at my age and stage?
A useful way to think about it: the safer, boring money is what lets you take big risk everywhere else. As a founder, your startup already is your ...
Should I count my startup equity as part of my portfolio when I decide how to invest my liquid money?
It helps to see it clearly: your startup equity is real, but it's usually illiquid, concentrated, and can go to zero. So while it is part of your n...
How big should my emergency fund be as a founder with unpredictable income?
Founder income is lumpy, so the usual "three to six months of expenses" often stretches to more like six to twelve, especially if you're not drawin...
Should I invest in both Indian and global markets, or just stick to India?
Owning both India and global markets is a common way to avoid betting everything on one country's economy, currency, and market cycle. For an India...
Is buying real estate a smart way to diversify away from my startup?
Real estate feels like diversification, and it can be, but for a founder it often quietly repeats the risk you're trying to reduce: a huge, illiqui...
Should I use index funds or actively managed funds for the equity part of my portfolio?
For the equity part of your portfolio, the long-running debate is index funds (which simply track a market and keep costs very low) versus actively...
eChai Partner Brands
