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 giant equity bet, so your liquid money often plays the opposite role, steady and calm. Age and stage matter, but your income stability and how soon you'll need the cash usually matter more. A rough frame is that money you won't touch for many years can sit in equity funds, while anything you may need within a few years belongs in safer, low-volatility options. There's no single correct percentage, and rules of thumb like "100 minus your age in equity" are conversation starters, not answers. Market returns are never guaranteed, and tax on gains changes over time, so treat any split as a draft and confirm the specifics for your situation with a CA or a qualified advisor.
A curated summary to orient you, not advice. The resources below are the real value.
2 hand-picked resources, 2 India-specific, 1 link-checked. Pick how you want to dig in.
Why we picked it The free, India-first grounding in what to do with cash once you have it: goals, allocation, SIPs, and not losing it to fees.
From Zerodha Varsity by Zerodha Varsity
Open zerodha.com →Why we picked it A no-nonsense, ad-light India personal-finance site: plain math and free calculators for emergency funds, goals, and asset allocation, with no product to sell you.
From Freefincal by M. Pattabiraman
Open freefincal.com →
