“Knowledge equals money”

CONNECTING
THE DOTS

WITH SHASHANK UDUPA

Created by Kshitij Agrawal

CONTENTS 1/2

Hey there! Other investments

Mutual funds
How to read this guide? ELSS Funds
Index funds
Personal finance Gold
Starting early vs late Health insurance
Investing your first paycheck Real estate & REITs
Recommended plan
Biggest mistakes
Cryptocurrency
Getting started
Stock market Different tokens
Psychology of the market Crypto wallets
Setting up Make money in NFTs
How to find new stocks? What is Defi?
Fundamental analysis My crypto strategy
Super 20
IPO reviews
What about ETFs? Bonus content
Smallcase How to save taxes
Dividend strategy Travel for free in India
Choose mentors wisely
Hey there!

“Hey everyone! Whipped up a quick guide

for everyone who want's to learn and

understand the world of finance! I hope you

learn and grow your knowledge with this.”

Hailing from a family of entrepreneurs, start-ups weren’t a new

world for this 28-year old. However, he went the traditional way with

his education and started out as an investment banker after

completing his Masters from Strathclyde University.

Shashank, who has been a Tedx speaker at IIT Bangalore, decided

to eventually be an entrepreneur after he met Varun Mayya and

Abhinav Arora and thus Avalon Labs was born. After scaling Avalon

Labs to newer heights, they decided to venture into the ed-tech

space and built Avalon Meta.

Owing to Shashank’s experience as an investment banker, Meta

raised $420,000 even before its official launch and has built a

community called ‘The Avalon Army’ of over a whopping 2 lakh

people who band together to help each other.

Linkedin Twitter Youtube Instagram

Hey there!

Shashank's deep-found passion for finances and how it works for

start-ups has made him the perfect CFO for Avalon Meta. With close

to 100k followers on Instagram, Shashank is one of the mentors on

the influencer driven platform and teaches all things finance. Looking

at the current popularity of this ed-tech start-up, he’s only getting

started. He also aims at educating and spreading awareness about

the importance of savings and basic workings of finance amongst

the youth of India, something that we are seldom taught in the

traditional institutions to begin with.

“My Aim is quite simple - improving the financial literacy of

our country. I am a firm believer that education and

knowledge is important for everyone! Keeping that aim in

mind, a portion of my youtube revenues are donated towards

sponsoring a child's education.”

Here’s are two quick videos on my journey so far. I hope it inspires

you to keep pushing and learning.

Money lying

in the bank

is the most obvious of all

non-performing
assets”
Anil Lamba
How to read this guide?
The first and most important thing to remember is to NOT READ THE
GUIDE. Huh?

The correct way -

READ. STOP. DO. READ. REDO. REDO. SHARE. REDO. READ.

Got my point? Don’t just read the guide, practice and explore along
side. Practice daily. Do daily. Share your learnings with your friends
and explore finance together. The journey alone is going to be a little
difficult and slow. Challenge them and yourself everyday. Grow
together if you want to grow at all.

Learning by only reading

growth

growth

time time

What more?
Each section in the book answers a question. It contains all the
things I’ve learned and practised myself in the world of finance, but
simplified so that it’s much easier to understand. All the content is
also based on what my audience requests and wants to learn more
about. Feel free to ping me on a social media platform!
How to read this guide?

Now, in order to make your exploration easier, I added interactive

elements in almost every page! Interactive how? The components
listed below are clickable, redirecting you to a video explanation, my
smallcase, posters, articles and much more.

Video explanation

Download the page (as a poster/wallpaper)

Get my Smallcase

An external link for you to explore

By the way, some resources may have some cheeky affiliate links :)

If you want to connect with me or be part of the interactive finance

club, join the community (link below)

Join now - https://bit.ly/mycommunitySHA

Please note - The stocks mentioned in this guide are not an investment
advice. Please do you own research before investing.
We’re in this
journey
together!
Personal
Finance
Personal finance
I believe in compounding; the eighth wonder of the world. My aim
right now is to grow my money. That’s the first step to deciding how
to invest your money. What’s your aim? I don’t take loans and EMIs in
order to maximize my compounding. Everyone’s aim is different.

What do you want in the future? What are you working towards?

Want to buy your dream car

Buy a house at 31

AIM Go on a fancy vacation

Plan for your retirement

Live a stable life

What’s your goal?

Here’s how I’ve allocated my money in 2021.

Stocks (70%) (Majorly mid cap & small cap) Startups

Tax Crytpo
Digital
(10%) saving (5%) gold

funds
(5%)
(10%)

My investing strategy 2021

Personal finance

Starting early vs late

So why am I so focused on you starting your investments as soon as

possible? Compounding interest is a powerful trick to grow your
money but it only works with time. It doesn’t matter how much you
start with, you just have to start early. Compounding kicks in after
15-20 years. Do you want to be rich when you’re 40 or 60?

Age Early investor Return at 12% Late investor Return at 12%

22 Rs.10000 invested
₹11,200
0
0

23 Rs.10000 invested
₹23,744
0
0

24 Rs.10000 invested
₹37,793
0
0

25 Rs.10000 invested
₹53,528
0
0

26 Rs.10000 invested
₹71,152
0
0

27 Rs.10000 invested
₹79,690
0
0

28 0
₹89,253
Rs.10000 invested
₹11,200

29 0
₹99,963
Rs.10000 invested
₹23,744

30 0
₹111,959
Rs.10000 invested
₹37,793

31 0
₹125,394
Rs.10000 invested
₹53,528

32 0
₹140,441
Rs.10000 invested
₹71,152

33 0
₹157,294
Rs.10000 invested
₹79,690

34 0
₹176,169
0
₹89,253

35 0

₹197,310

₹99,963

.
39 0
₹310,471
0
₹157,294

40 0

₹347,727

₹176,169

.
50 0
₹1,079,988
0
₹547,156

51 0
₹1,209,587
0
₹612,814

52 0
₹1,354,737
0
₹686,352

53 0
₹1,517,306
0
₹768,714

54 0
₹1,699,382
0
₹860,960

55 0
₹1,903,308
0
₹964,275

56 0
₹2,131,705
0
₹1,079,988

57 0
₹2,387,510
0
₹1,209,587

58 0
₹2,674,011
0
₹1,354,737

59 0
₹2,994,892
0
₹1,517,306

60 0
₹3,354,279
0
₹1,699,382

61 0
₹3,756,793
0
₹1,903,308

62 0 ₹4,207,608 0 ₹2,131,705
Start small but
start early.
Time matters.”
Personal finance

Investing your first paycheck

Once you have a clear defined aim, the next step to measure your
income and expenses. Whatever gets measures, it will get
managed. Simple. “What all expenses do you have? Do you a Netflix
subscription? Do you order regularly on Swiggy? How much are you
getting everyday into your account?” Need to measure everything
and create an excel sheet to help you.

You’ll only understand how much you can save once you have know
how much you spend and how much your earn.

Then comes allocation. I good rule I follow is 20-30-50 rule.

Savings Needs
Wants

20% 50% 30%

An important part of this rule is to SAVE FIRST > SPEND LATER

Once you have your savings out of your bank account, you’ll have
spend judiciously without worrying of spending too much. Otherwise
you’ll feel you have too much money and give out parties to your
friends “Aaj tera bhai ki party” (“It’s my party today”)

What’s next?

Now, you have the money to save, where do you start?

More on the 20-30-50 rule

Personal finance

My recommendation of how your savings can be distributed -

Digital Gold

5%
Smallcase/Stocks

35%

ELSS/Tax saving

15%

Index funds

10%

Mutual funds

35%

Mutual funds to help grow your money.

Medium risk, Medium reward.

Stocks to help grow your money.

High risk, high reward.

Index funds to help grow your money but in a stable manner.

Low risk, Medium reward.

Tax saving funds to help save your money.

Low risk, Medium reward.

Gold to help save & grow your money in case of market collapse.

Low risk, low reward.

What gets
measured,

gets managed”
Peter Drucker
Personal finance

Biggest mistakes

Spend first, save nothing

First impulse when you get your first salary is maybe you want to travel,
get a new phone and treat your friends. But, that is how I ended up being
broke at the end of every month.

Bought a credit card

Getting a credit card isn't wrong, but the limit of my card was double my
salary. The institutions want you to spend more but once you go in debt,
it's really difficult to come out. The interest on a credit card, if you're not
able to play back the loan, is phenomenally high.

Investing for quick money

Your friends, who got lucky once, will come to you with a rich quick
scheme and if you are not smart and careful, you'll jump in without any
idea what is happening. If it was that easy for everyone to make money,
then wouldn't everyone be rich? Why is everyone working so hard in life?

Getting a life insurance

It's not an investment. If you're the sole bread-winner in your home then it
makes sense for you to get a life insurance. However, if you're young and
your parents are well settled, then you don't need these returns. Until
someone depends on you, it's better to invest and grow your money.
Finance digest

In this digest, here some of the tools to understand your

aim and invest your first paycheck.

Video Video

Train your mind, Million dollar

make money habits

Video Video

Should you own Should you

a credit card? trade or invest?

Video Video

Financial journey 3 ways to save

of your parents money in 2021

Video Video

Investing in your Top 3 tools for

20s - Part 1 research

Take a seat, plan ahead and enjoy your life!

Stock
market
Stock market
Psychology of stock market
Stock market is place for you to grow your money not earn money
quickly. Always remember, you're not here to make quick money,
you're here to play a long-term wealth creation game.

Understand yourself
I save because I want mental peace. I'm not here to save to go on an
luxurious trip, but to have a solid safe backup when I go down in life. Life is
full of ups-and-downs, and it's okay. Save in good times so you can float
in bad times. You can have different objectives and that's completely
okay. Before getting started answer this! What's your goal?

Don't let your emotions control your game

Is this 3-4 days of panic really worth it? In the long term, 2-3 years you'll
make much more money if you don't let your emotions get to you,
assuming where you've invested is fundamentally strong and you've
done your research.
you're here to

play a long-

term wealth

creation

game,

not make quick money!”

Finance digest

In this digest, here some of the tools that you need to start
using before you start investing

News News

Finshots Money control

News News

Live mint Economic times

Demat Demat

Zerodha Groww
Brokerage is low To invest in US stocks

Analysis Analysis

Tickertape Screener
Research for a company Financial research

Analysis Analysis

Trendlyne ValuePickr forum

Take a seat, plan ahead and enjoy your life!

Stock market

Setting up

Once you’ve explored the tools mentioned on the previous page, you
can watch the video below to understand how to use them.

FUN FACT

How to find new stocks?

Below are 3 videos to help you discover new and financially good
stocks using Tickertape and Screener. Give it a shot!

How to find Using tickertape Selecting growth

new stocks & screener stocks (screener)

PRO TIP

Large cap investments are for wealth preservation and mid cap investments are for
wealth growth.

But how do you understand the business fundamentally? I have a

framework that I use to research about companies!
Stock market

Research framework
Do your research well and only then invest. Don’t invest blindly, don’t
invest because I love to talk about it, invest because you believe in
the company and its mission. Things to look for in a company -

Financials Management Sector analysis Geography

ULTIMATE CHECKLIST

Open Tickertape for financial analysis

Go through the income statement

Should have a good & consistent growth in EBITDA, EPS, total
revenue & net income

Go through the balance sheet

Should have low current liabilities, long-term debt and good
current assets and reserves & surplus

Browse news articles to understand why it is rising or falling

Read their investor presentation for business understanding

Read the valuepickr forum for past and recent updates

3 important tips! Read financials Observe & learn

Super 20
Long term stocks I believe in -

Deepak Nitrite Relaxo Footwears

DEEPAKNTR RELAXO

Laurus Labs Navin Fluorine

LAURUSLABS NAVINFLUOR

Happiest Minds Sona BLW

HAPPSTMNDS SONACOMS

Mastek Persistent Systems

MASTEK PERSISTENT

Tata Elxsi Clean Sc. & Tech.

TATAELXSI CLEAN

Saregama APL Apollo tubes

SAREGAMA APLAPOLLO

Dixon Tech. Indian Energy Ex.

DIXON IEX

Acrysil Poly Medicure

ACRYSIL POLYMED

Hindustan Foods Dr. Lal PathLabs

HNDFDS LALPATHLAB

Polycab India Indian Railway...

POLYCAB IRCTC

This is not an investment advice. Please do you own research before investing.
be happy
when the
market goes
up, and
happier when
it goes down”
Stock market

Important tips to know before investing

Percentage Don't put all your Finances are

matters the most eggs in one basket not everything

Sector analysis

Top 3 sector - 1 Top 3 sectors - 2 Chemical

IT FMCG Real estate

Insurance Pharma
Stock market

Analysis on other companies

Newgen Software ICICI Prudential Life

NEWGEN ICICIPRULI

Subex Prince Pipes

532348 PRINCEPIPE

Polyplex Corp Globus Spirits

POLYPLEX GLOBUSSPR

SBI cards & paymnt. Sasken Tech.

SBICARD SASKEN

MindTree Affle (India)

MINDTREE AFFLE

Hindustan Unilever Expleo Solutions

HINDUNILVR EXPLEOSOL

Nestle India Caplin Point lab.

NESTLEIND CAPLIPOINT

ITC Ltd. Astral Ltd

ITC ASTRAL

HDFC Ltd. J K Cement Ltd.

HDFC JKCEMENT

SBI Life Insurance Asian Paints Ltd.

SBILIFE ASIANPAINT

Sumitomo Chem. HG Infra Eng.

SUMICHEM HGINFRA
Stock market
SBI Life Insurance Asian Paints Ltd.
SBILIFE ASIANPAINT

Sumitomo Chem. HG Infra Eng.

SUMICHEM HGINFRA

Amara raja batteries Olectra Greentech

AMARAJABAT OLECTRA

GMM Pfaudler Ltd. Voltas

GMMPFAUDLR VOLTAS

IPO reviews

Nykaa Zomato Paytm

Connecting the dots (examples)

Covid & Pharma EV & Tesla Banking & India

Your turn!
What connections
can you make?
Market crash (?)
Finance is
interlinked

across the World.

If a small lab in China can

affect Global markets then
imagine what else can
happen”
Stock market

What about ETFs?

ETFs are Exchange Traded Funds. They are created to replicate an

index. For example, if you want to invest in NIFTY50, you can’t
actually buy them. One option is to buy all 50 stocks separately but
that’ll will become expensive. So instead, you can invest in an ETF
which replicates NIFTY50 and gives you the same returns.

Types of ETFs

Index ETF Gold ETF Sector ETF

Bond ETF Currency ETF Global ETF

BONUS

Check out this short video on how to read an ETF document and
analysis of a global ETF - Mirae asset NYSE FANG+ ETF
Don’t trust me,
trust yourself.
Don’t be scared.”
Stock market

Smallcase

Ever heard of the platform? It’s not a mutual fund. It’s a basket of
stocks that is created by someone else, not institutions, for you to
invest. I recommend using it to invest in themes that you see
panning out in the future. Here are some to help you get started.

Getting started Top 3 paid Free vs Paid

PRO TIP

Don't judge a smallcase based on CAGR! It’s the percentage that matters. A better way
is to look at the 1 month chart, 1 year & 3 year chart & see if it beats inflation

My top recommendations
FREE SMALLCASES PAID SMALLCASES

All weather investing Speciality chemicals

Dividend aristocrats CANSLIM-esque

IT tracker High quality right price

The PE list Growth at fair price

Growth & income Value & momentum

BONUS
( )Y
I have a special discount for all my followers that’s you! . ou can use the
-N V 5 5%
discount code O 1 to avail 1 off on all the paid smallcases .
My smallcases
Themes I believe in -

Rs. 1000 basket

Long term stocks with minimum investment of Rs. 1,000

NIFTYBEES PRINCEPIPE GOLDBEES LAURUSLABS BHARTI

Rs. 5000 basket

Long term stocks with minimum investment of Rs. 5,000

DEEPAKNTR BSOFT AMBUJACEM IEX LAURUSLABS

Rs. 30000 basket

Long term stocks with minimum investment of Rs. 30,000

HAPPSTMNDS PRINCEPIPE APLAPOLLO NAVINFLUOR BSOFT

EV play
EV segment in India prediction

OLECTRA HEROMOTOCO TATAEXLSI TATAPOWER TATAEXLSI

Coffee can 2021

EV segment in India prediction

KOTAKBANK HCLTECH LTI ASTRAL PIDILITIND BAJA

Tata long term play

EV segment in India prediction

TATAEXLSI TCS TATAMTRDVR TATACONUM TATACHEM

This is not an investment advice. Please do you own research before investing.
Stock market

Dividend strategy

When a company makes a lot of money, they want to keep their

shareholders happy and so they distribute part of the profits to the
shareholders as dividends. For growth companies, the excess
money is put back in the company instead of dividends which is
better for investors as well because they want the company to grow.

PRO TIP

Who is dividend strategy for?

For your parents or grandparents who have a large amount of money, aren’t working
and need some passive income. This way the capital also appreciates in value and you
get good dividends; beats inflation and fixed deposit rates.

THINGS TO CHECK

Minimum dividend payout ratio of 40%

Dividend yield of more than 3%

Dividend strategy
Passive income from companies that give dividends

MPHASIS INFOSYS BAJAJ AUTO IOC HEROMOTOCO

Basics and checklist

Dividend stocks analysis

 Other
investments
Other investments

Mutual funds

Investors (like me and you) pool our money and give it to a person

(fund manager) to invest, on your behalf. You don’t have to delve

into the finance world or keep up with the stock market. The fund

manager takes care of all that, gives your good returns and in

return, takes a small fee.

MUTUAL FUND

You

Me

Asset Under
Investor 4
Management (AUM)

Invests in securities
Investor 3

Now, there are MANY mutual funds out there. A common problem

that people face is that they don’t know where to start. I’ve explained

in detail where you can find mutual funds, why you should invest &

also why you shouldn’t. Understand it and take a wise decision.

Advantages & disadvantages

Where you find Mutual funds

1
Other investments

BONUS
Difference between active & passive fund
Active funds are constantly overseen by the fund managers and they
regularly rebalance the portfolio. The manager is actively involved.
Passive funds are not constantly managed. They don’t require
rebalancing. Eg, Index funds.

ELSS Funds
Equity Linked Saving Schemes. It’s type of a mutual fund that you can
invest, but the concept is that the government gives you a tax
rebate. It exists to encourage people to invest in ELSS, tax-free and
upto a limit of 1.5 lacs.

0% 1.5 lacs 3 yrs

No tax* on Upper Limit of Lock in period
amount invested Rs. 1,50,000 for 3 years

*You will be taxed on the capital gains when you remove the money at the end
of 3 years at 10% and only if the gains are more than 1 lac.

Advantages & disadvantages

o to find ELSS funds

H w
Other investments

Index funds
A type of a mutual fund that invest in stocks that imitate the stock
market. You’ve heard of NIFTY and SENSEX right? Now you can’t
directly invest in them. One option is to buy each stock in the indexes
individually but you’ll need a lot of capital to invest. So another
option is you give your small amount to the mutual fund and they
pool all the money and invest in the stocks in NIFTY/SENSEX.

Goal of the index fund

Unlike actively managed mutual funds which aim to beat the returns of
the market, the index fund aims to match the returns of the indexes like
NIFTY, SENSEX as close as possible.

PRO TIP
The longer the time that you hold the index fund, better the returns since market works
best in the long term!

Tracking error & expense ratio

Navi index fund (example)

Save in good
times so you
can float in
bad times.”
Other investments

Gold
What’s so great about gold?

Worldwide Existed for Societies placed Insurance in

value centuries a value on it tough times

It isn’t as expensive as you think

There’s physical gold which has 2 problems - expensive and you’ll be
worried where to store it. A better option is to buy digital gold. You can
buy with any small amount (eg, rs.100), it’s stored safely, it’s pure and you
can either sell it anytime or get it delivered physically or even gift it.

There’s another way to buy gold - Sovereign Gold Bonds (SGB). They
are issued by the RBI. You get 2-2.5% interest every year and value
of bond also increases over time. At maturity, you get cash, not gold.
PRO TIP
What I usually do is that I buy digital gold everytime I get a cashback (from anywhere)
but with a twist - I multiply it by 100 and buy that much worth of gold.

Why you should buy gold

Sovereign gold bond

Other investments

Health insurance
It’s a way of insuring yourself with respect to your health. If any
problem happens to you medically, you will save a good amount of
money if you’re insured. Here are some benefits -

Insure your Tax benefits Covers all cost

health medically*
*It depends on your health insurance plan. But ideally, it should cover all medical costs

Why get health insurance early?

There are some reasons as to why you should consider buying it early.
You get a lower premium, some things are covered year 2 onwards and
in some cases, companies increase your medical cover (the amount
they’ll pay for medical purposes) if you don’t use it the whole year.

Health insurance checklist

Young star insurance analysis

PRO TIP
If you’re not sure which health insurance to buy, you can get on a call with Ditto
insurance hotline. They’ll help you out on how you should go about it!
Other investments

Real estate and REITs

A real estate investment trust (REIT) is a company that owns,
operates, or finances income-generated real estates. It’s modeled
after mutual funds to make it possible for individual investors to
earn dividends from real estate investments.

Steady dividend Option to Transparency in Liquidity

income diversify dealing

Different types of REITs

There a 5 different types of REITs. Equity REIT is the most popular,
manages commercial properties and main source of income is rents.

Features of a REIT

How to take advantage?

PRO TIP
I believe in not taking huge amounts of loan when buying a home.
Instead, save up money so that at the minimum, you don’t have to take
a loan of more than 50%. Rest of the amount should be paid in cash. This
way, the overall cost of the home is also lower.
Finance digest

In this digest, here the some of my business & finance

books recommendations which have helped me learn.

Saurabh Mukherjee Mohnish Pabrai

Coffee Can Dhandho

Investing investor

Anil Lamba Anil Lamba

Romancing the Flirting with

balance sheet stocks

Gabriel & Justin Sangeeta Talwar

Traction 2 minute
revolution

Alistair & Benjamin Anil Lamba

Lean analytics Financial affairs

of common man

William O’Neil Morgan Housel

How to make Psychology of

money in stocks Money

Grab a book and learn from the best!

Trust your
instinct, take
decisions &
deal with the
outcomes”
CRYPTO 101
Crypto 101
Getting started
It all started in 2008, when Bitcoin was created as a decentralized
currency; meaning no one had control over it, not the RBI, no middle
man. There’s only a sender and a receiver. All the transactions that
take place are stored in the form of blocks, which is called the
blockchain. Simple.

Soon came the idea of Ethereum

Using the blockchain technology, the creator introduced the concept of
smart contracts. Smart contracts are pre-defined rules that are carried
out in each transaction. For example, you want each payment to be split
between your 4 friends, so instead of you doing it manually, you can
create a contract which does that automatically.

PRO TIP

Go to coinmarketcap.com to research about the different cryptocurrenies, just as you

would for a stock. Open relevant links from here only as there are many scams that take
place in the crypto world.
Crypto 101

Crypto terminology

White paper

Like a IPO document which explains your coin - what it is, how it works etc.

Gas fees

Each transaction has a fee attached with it.

Goverance

You, as a holder, can help influence the future of a goverance project.

Staking

Lend your crypto currency and get some interest in return.

Facts about different tokens

Solana Cardano Polygon

Ethereum Top 5 in 2021 How money flows

Crypto 101

Crypto wallets

Metamask Phantom Myetherwallet Blockchain

Dangers of crypto wallets & exchanges

You cannot hold anyone responsible. If an exchange (where your money

is stored) goes bankcrupt or runs away, you cannot go to anyone to

claim your money/cryptocurrencies back.

1 2 3
Create a safe Buy and sell crypto Put it back in

wallet for storing with an exchange the wallet

Don’t miss out on this

Create your wallet Wallet scams Tax implications

Finance digest

In this digest, here some of the tools that you need to start
enter the crypto universe

Research Forum

CoinMarketCap Bitcoin talk

News Research

Coin telegraph Etherscan

Exchange Exchange

Coinswitch Kuber Coinbase

An india based ex. A recently IPOed co.

Wallet Wallet

Myetherwallet Blockchain wallet

Safe for storing bitcoin Safe for storing ether

Research Research

Blockchain info Coinswitch coins

Welcome to the universe, go wild!

Each
blockchain
should have
its own
wallet.”
Crypto 101

How to make money with NFTs

Let’s start with what are NFTs? They’re are tokens, that are unique on

the blockchain and anyone can buy. That token can be anything;

video, audio, art etc.

All NFT projects are listed on OpenSea, which is the secondary

market. Primary market is when an NFT project is launched and you

buy it then directly.

Metamask Phantom Ethereum

Wallet Wallet Cryptocurrencies

Solana Tools you need to get Rarity tools

Cryptocurrencies started with NFTs Website

Rarity Sniper NFT NFT calendar Solana art

Discord Discord Website

BONUS

Crypto market and price of NFTs are inversely related. If crypto

currency prices go up, price of NFTs go down and vice versa.

OpenSea Watch the detailed video

Crypto 101

What is Defi?

It stands for decentralized finance. Traditionally, a centralized bank

exists that passes money from lenders to borrowers. The bank

controls your money and can be given to other people without you

knowing. Defi means that there will no middlemen and only run by

people; deposit, lending, loans etc. all directly between people.

Note, it uses different currencies, not your general ones bitcoin or eth

because they're too volatile. It works on the ethereum blockchain

24/7

Uses different No central Ethereum Open all time,

crypto tokens authority blockchain 24 hours

Decentralized exchange (DEX), it’s like an exchange, but unlike

them, there’s no one controlling it. It runs automatically, no fees.

Staking - You deposit a certain amount of crypto in a defi bank.

Passive income in crypto

Defi coins

Defi pulse - See deposits/lending

Crypto 101

My crypto strategy

First of all, before starting, I set aside a small budget - figure out my

expenses & try to save 50-70% of my montly income. From my total

savings, I allocate 20% to crypto, & this is the breakdown (in 2021)-

Yield farming Leveraged yield farming

Direct (tokens)

20% 50% 30%

High risk, high reward Medium risk, medium reward

Investment planning

Crypto investment strategy

Top crypto gaming coins

My DeFi strategy

Allocation strategy excel file

Knowledge is
Free, Experience
should be Paid”
BONUS
Bonus
How to save taxes?
I save upto Rs. 2,25,000 through my 3 tax schemes. Here’s an
overview of all the schemes available.

5-year bank deposit 4-6% returns 5yrs lock-in Taxable

Public Provident Fund (PPF) 7-8% returns 15yrs lock-in No tax

National Savings Certificate 7-8% returns 5yrs lock-in Taxable

National Pension Scheme (NPS) 8-10% returns Retirement Partially

ELSS Funds 15-18% returns 3yrs lock-in Partially taxable

Here is the breakdown of the 3 schemes I follow

#1 #2 #3
ELSS funds Health insurance NPS
Bonus

Travel for (almost) free in india

Before I get into the juicy part, here some small airport hacks

A quick airport hack to save time

Instead of going to the economy class check-in, where the queues are
long, you can go directly to business class check-in, act confident, smile
and have a conversation where you seem that you wanted to upgrade
but cannot. Most likely, they’ll check you in since you’re already there.

Free access to Loyalty lounges are Not all cards give

loyalty lounge not paid you access

To know how to get free tickets, watch the video. I explain everything
and how to go through it step by step.

Get free access to lounges

How to get almost free tickets

You can fail 100
times, but always
remember,

you only

need to

succeed once

in your

60 years of life”
Bonus

Choose your mentors wisely

One of the most important takeaways from the e-book should be

that you should never stop learning. Learn from the best, absorb all
the knowledge and grow your mind. Check out my conversations
with 2 of the best minds in the finance universe -

Community fun

I like to interact with the meta finance community on a regular basis,

so if you want, you can hit me up on Youtube live, Instagram, Twitter
and of course, Avalon Scenes - our headquarters!

EVERY WEEKEND

Giveaway 26k Ask Me Anything Weekend research

Join now - https://bit.ly/mycommunitySHA

Finance digest

In this digest, here the podcast episodes from finance &

entrepreneurial wizards around the country.

Anil Lamba Ish Mohit

Most interesting Most Exciting

finance podcast Financial Episode

Vishwajit S. Prateek Singh

Quicko, tax filing LearnApp, Algo

& communities trading & future

Ashish Gupta Dr. Sid Bhargava

Bambinos, extra- Food Darzee,

curricular space food & fitness

Harsh Goela Bharat Sethi

Mistakes to avoid, Rage Coffee, build

multibagger a D2C giant

Ujjwal Jain Ajin kya Kulkarni

Investing Building Wint-

ecosystem future Wealth & bonds

Take a seat, plan ahead and enjoy your life!

Ending thoughts
With that, the guide comes to an end! Hope you learned something,
became more financially aware and shared the knowledge with your
friends because ultimately, it’s about growing together.

If you take away anything from this guide, remember this-

Important takeaways

Wealth is only created over a long period of time - Don’t try

the get rich quick schemes!

Focus on long term wealth creation and invest in companies

that are fundamentally strong.

The world of finance is interconnected so stay updated with

the latest trends that are happening in every part of the world.

It’s ok to fail - We have all made mistakes and failed in the

past. Remember this - you can fail multiple times but you only
need to succeed once

Understand the Why - Connect the Dots with everything

around you and with that knowledge you will surely create
long term wealth

All the best in your journey, it’s just the beginning!

 That’s the end. Hope you learned a ton!

LOVED THE
GUIDE?
Tell your friends about it!

The complete shareable poster

on the next page.

The ebook took 200+ hours to make,

but it’ll take you 2 mins to share!
Connecting
the dots
WITH SHASHANK UDUPA

Start your finance journey!

Go to bit.ly/YoutubeSHA
 Always remember
Connect the dots

Created by Kshitij Agrawal