Boring, few, and automatic beats clever and fiddly, especially when your attention belongs to your company. A workable shape for many founders: a solid emergency fund and near-term cash in safe, liquid places; the bulk of long-term money in one or two broad, low cost index funds bought through monthly SIPs; and a smaller slice in safe fixed income for stability. That is close to the whole plan. Rebalance once or twice a year, resist adding complexity, and remember your biggest, riskiest holding is already your startup equity, so the liquid portfolio's job is to be the calm counterweight, not another bet. A simple plan you actually stick to beats an optimal one you abandon.
3 resources, 1 India-specific, 2 link-checked.
The clearest, calmest case ever written for low cost index investing and leaving it alone. Global, but the mindset travels straight to India.
From jlcollinsnh.com by JL Collins
Open jlcollinsnh.com →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 canonical, no-hype reference on building a simple index portfolio and why costs and discipline beat cleverness.
From Bogleheads by Bogleheads
Open bogleheads.org →
