How do I start diversifying when most of my wealth is illiquid?
The short answer
Diversify with the liquidity you can actually get, steadily, rather than waiting for one big exit. In practice that is three things: invest your take-home salary into simple, boring assets (a low cost index fund through a SIP) instead of leaving it idle, build the cash buffer that stops you ever being a forced seller, and if the option is available and appropriate, take a small secondary to move some value off the single bet. The goal is not to bet against your company. It is to make sure a good outcome for it is upside, not the only thing standing between you and ruin.
A curated summary to orient you, not advice. The resources below are the real value.
Go deeper, your way
3 hand-picked resources, 2 India-specific, 1 link-checked. Pick how you want to dig in.
📖 Book
PaidBeginner
Why we picked it
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.
The Psychology of Money
From
The Psychology of Moneyby Morgan Housel
🎓 Course
✓ Link checkedIndiaFreeBeginner
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.
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.
