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 job of the rest of your money becomes clear: it is ballast, not more of the same bet. In practice that means your liquid savings lean safer and more diversified than a typical portfolio would, heavy on broad index funds and safe fixed income, and light on more high risk, illiquid, or founder-adjacent bets (angel deals, crypto, another startup). You are already maximally exposed to upside through your company. The rest of your money is there to make sure a bad outcome is survivable.
3 resources, 1 India-specific, 1 link-checked.
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 →The best reminder that avoiding ruin beats chasing returns, and that wealth is the money you don't spend. The whole founder concentration problem, told as stories.
From The Psychology of Money by Morgan Housel
The canonical, no-hype reference on building a simple index portfolio and why costs and discipline beat cleverness.
From Bogleheads by Bogleheads
Open bogleheads.org →
