Brahmi Kapsi: Making Money Work for You Through Mutual Funds & ETFs

On this knowledge-packed episode of the Kabir Vani Podcast, host Kabir ‘Vani’ Zariwala welcomes Brahmi Kapsi, a research analyst and wealth management professional who believes finance should be simple, fun, and accessible.

With her warm humor and relatable storytelling, Brahmi takes us on a journey through money mindset, mutual funds, ETFs, and why financial discipline is the real secret to wealth creation.

Falling in Love with Finance

For many, financial calculators look like rocket science. For Brahmi, the first time she used one felt harder than impressing a crush. Yet what seemed intimidating at first slowly became her passion.

After studying commerce, MBA, and courses in investment banking, she realized two powerful truths:

• Data never lies. Historical market data over 10, 15, or 20 years always shows trends investors can trust.
• Mindset matters. Wealthy people don’t fear losses—they fear missing opportunities.

This shift in perspective became the foundation of her work.

Why Financial Education Matters

Brahmi highlights a common gap: most people earn money but don’t know how to manage it. Many jump into trading through Telegram tips or social media hype and face huge losses.

She shares a story of clients who lost ₹16 lakh in their very first month of trading. The lesson? Without understanding risk appetite and financial goals, investments can quickly become disasters.

That’s why her firm focuses on two things:

• Client education: Explaining why each investment is made.
• Behavioral finance: Helping people resist panic selling during market dips.
  
  

Emergency Funds: A COVID Lesson

During COVID-19, Brahmi noticed how many professionals lacked an emergency fund. Jobs were uncertain, hospital bills rose, and many had no backup savings.

Her advice: Always keep at least 6–12 months of expenses aside as an emergency fund, ideally in debt or hybrid mutual funds rather than just a savings account. These give better returns and are easily accessible.

Mutual Funds vs ETFs: What’s the Difference?

In simple words:

• Mutual Funds: Managed by Asset Management Companies (AMCs), but transactions happen at day-end NAV. Good for long-term investors.
• ETFs (Exchange Traded Funds): Like mutual funds but trade on stock exchanges in real-time, just like stocks. Lower cost, more flexibility, and great for short-term strategies.

Brahmi notes that ETFs are still young in India but globally form a $13 trillion market—bigger than India’s GDP.

Investment Strategies for Every Stage of Life

Brahmi believes investment strategies should evolve with age and responsibilities:

• 18–25 years: High risk appetite, can explore equity and even crypto.
• 30s with family: Focus on balanced funds and controlled risks.
• Post-children: More conservative, leaning toward debt and hybrid instruments.

The key is diversification—spreading money across equity, bonds, and commodities like gold and silver to balance risks.

Risk Management in Simple Words

Her golden rule: Be disciplined, consistent, and patient.

• Always define your goals before investing.
• Use SIPs to build discipline and avoid timing the market.
• Don’t treat investing as gambling—it’s about calculated risk, not blind bets.

As she puts it, “Losses are like seeds. If you learn from them, they grow into future profits.”

Money as Energy and Manifestation

For Brahmi, money isn’t just paper—it’s energy. With the right mindset, it empowers you to travel, grow, and live fully. She ties this to manifestation and visualization, encouraging people to picture their financial goals clearly—whether it’s a house, a car, or retirement security.

When you see it, feel it, and believe it, you naturally take the steps needed to achieve it.

Closing Thoughts

Brahmi Kapsi’s refreshing take on finance proves that money management doesn’t need to be boring or intimidating. With education, discipline, and the right mindset, anyone can create wealth.

You can watch more podcasts on Kabir Vani and listen to this audio on Spotify, Apple Podcast, and Amazon Music.

You can listen to the full conversation with Brahmi Kapsi on the Kabir Vani Podcast, available on Spotify, Apple Podcasts, and Amazon Prime Music.