Invest Like Krishna – The Art of Strategic Moves for Wealth Creation
By Akhil Chugh
Date Aug 17, 2025
On Janmashtami, we celebrate the birth of Lord Krishna—the master of strategy, timing, and wisdom. His life wasn’t just about miracles; it was about making the right move at the right time. And if you think about it, that’s exactly what successful investing is all about.
Here’s how Krishna’s playbook can guide your mutual fund journey.
1. Start with a bigger purpose
Krishna never acted without knowing the “why” behind it. Every action was tied to a greater cause—dharma. In investing, your “dharma” is your financial goal. Whether it’s a peaceful retirement, your child’s education, or that dream home, start with clarity. Once you know the destination, the investment choices become simpler.
Investment Tip: Match each goal with the right type of mutual fund—equity for long-term, debt/hybrid for short-to-medium term.
2. Discipline & Smart Adjustments
Krishna followed principles, but he also adapted when needed. As investors, our SIP discipline is our principle—it keeps us investing regularly, come rain or shine. But once in a while, we need small tactical moves—like rebalancing our portfolio or increasing our SIP amount when our income grows. That’s your “smart adjustment”.
Investment Tip: Continue your SIPs no matter what, but increase the SIP amount by 5–10% every year (step-up SIP). Review your portfolio once a year to rebalance if equity or debt weight changes by more than 5%.
3. Read the battlefield before acting
Before every major step, Krishna understood the situation. In investing, that means staying aware of market trends, interest rates, and your own risk tolerance—not to time the market, but to stay prepared. The point isn’t to react to every headline, but to be ready for when conditions change.
Investment Tip: Stay aware of market and economic trends, not to time the market but to check if your risk profile and asset allocation still fit your goals. Avoid reacting to daily news.
4. Diversify your team
Krishna’s victory in the Mahabharata wasn’t because of one warrior—it was the strength of many. In the same way, don’t put all your money in just one fund type. Large-cap funds for stability, mid/small caps for growth, debt funds for safety—they all play different roles in your portfolio.
Investment Tip: Spread your investments across different types of mutual funds based on your financial goals and investment duration.
5. Play battles you can win:
Krishna chose battles carefully. You don’t have to chase every “hot” sector or theme you hear about. Stick with funds and strategies that align with your goals and risk appetite. Winning in investing is less about chasing every opportunity and more about avoiding costly mistakes.
Investment Tip: Don’t chase every “trending” sector fund or every tip. Focus on consistent performing funds with a proven track record over multiple market cycles. Call us to know more and subscribe to our newsletter for our monthly picks in each category of mutual funds.
6. Set rules and stick to them:
Krishna didn’t control destiny—but he timed his actions perfectly. In investing, you can’t predict markets, but you can control your actions—like stepping up SIPs annually, or gradually moving your money from equity to debt as you get closer to your goal.
Investment Tip: Trust in the process and avoid getting swayed by market noise. Stick to your investment plan, and over time, you’re likely to see the benefits of your patience and strategy.
7. Timing actions, not the market:
Krishna chose battles carefully. You don’t have to chase every “hot” sector or theme you hear about. Stick with funds and strategies that align with your goals and risk appetite. Winning in investing is less about chasing every opportunity and more about avoiding costly mistakes.
Investment Tip: Use systematic plans—SIP for investing, STP for shifting between asset classes, and SWP for withdrawals. Gradually move equity to debt as your goal nears, instead of making sudden changes.
Net Brokers Takeaways:
Janmashtami is not just a festival; it’s a time to reflect on the profound lessons from Lord Krishna’s life. Janmashtami reminds us that wisdom, discipline, and strategy win in the long run—on the battlefield and in the market. Let your investments follow Krishna’s example: have a purpose, stay disciplined, adapt when needed, and never lose sight of the bigger picture.
SIPs in mutual funds offer a practical way to apply these lessons, helping you achieve your financial goals while securing a prosperous future for your family.
May Lord Krishna’s blessings lead you to financial success and stability!
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Shubh Janmashtami!