ABOUT RONAK · MONEY · THINKING · INVESTING
I’m Ronak Prajapati.
Chemical Engineer · Investor · Mutual Fund Advisor
I write about money, investing, work and the questions that shape the way we live. I also help people make more sense of their mutual fund investments, SIPs and long-term goals.
My interest in investing started with a ₹3,000 SIP in 2017. It has grown into something much bigger.
Ronak Prajapati | Engineer | Investor | Mutual Fund advisor
My story.
I graduated as a chemical engineer in 2017 and started my career. My interest in investing began when a friend introduced me to mutual funds, something my father was already doing.
I started with a ₹3,000 monthly SIP in a Flexi Cap fund. I didn’t know much at the time, but I learned by staying invested, especially through the COVID market fall.
I even invested another ₹20,000 during the fall. That experience taught me that investing isn’t just about choosing an investment. It’s about having a plan you can stay with.
This is about 40% shorter while keeping the important parts of your story: 2017 → first SIP → ₹3,000 → COVID → ₹20,000 → your core investing lesson.
Over time, investing became more than something I did with my own money. I became curious about how people choose investments, what they are actually investing for, and why even a good investment can be difficult to stick with.
A few important moments.
My investment journey was not a straight line. These are a few moments that changed the way I think about money, mutual funds and long-term investing.
2017
My first salary. My first SIP.
I started investing ₹3,000 a month in a Flexi Cap fund soon after starting my first job.
EARLY YEARS
Learning to ignore the noise.
For almost two years, my investment was in the negative. I learned that checking an investment constantly does not make it perform better.
2020
The market fell.
The COVID market crash was my first real experience of a sharp fall. Instead of abandoning the plan, I stayed invested and added money when the market was falling.
TODAY
From investing for myself to helping others.
Over time, investing became more than something I did with my own money. I became interested in helping people understand their portfolios, SIPs and investment decisions more clearly.
How I think about investing.
My engineering background influences the way I approach investing. I like to understand the problem before looking for a solution.
For me, that means starting with the person, not the fund. The goal, time horizon, risk and existing portfolio all matter before deciding what an investment should do.
01
Understand before investing.
Know why an investment is in your portfolio before worrying about whether it is the latest popular choice.
02
Have a reason for every investment.
A portfolio should connect to your goals, time horizon and ability to handle market fluctuations.
03
Keep the plan simple.
Investing can become unnecessarily complicated. A simple plan that you understand is easier to follow over time.
What I help with.
My work with investors is focused on making their investment decisions easier to understand and easier to follow.
01 · PORTFOLIO
Portfolio Review
Understand what you currently own, why you own it, and whether the portfolio fits your goals and time horizon.
02 · SIP
SIP Strategy
Build a practical SIP approach around your investment capacity, goals and the time you have available.
03 · GOALS
Goal-Based Investing
Connect your investments with real goals instead of investing without knowing what the money is meant to achieve.
Beyond investing.
Investing is one part of what I write and think about. I am also interested in discipline, work, learning, technology and the small decisions that quietly shape everyday life.
My content is an attempt to make complicated ideas easier to understand and, sometimes, simply to stop and ask whether we are thinking about them in the right way.
I don’t have everything figured out. I’m interested in understanding things better, and sharing what I learn.
Engineer by education.
Investor by experience.
My approach to investing has been shaped by both sides of my journey. Engineering taught me to understand systems and solve problems. Investing taught me patience, uncertainty and the importance of staying with a sensible plan.
Today, I bring those experiences into the way I think about mutual fund investing and work with investors.
Background
Chemical Engineer
Investing
Investor since 2017
Certification
NISM Certified
Work
Mutual Fund Advisor
Have questions about your investments?
If you want another perspective on your mutual fund portfolio, SIP strategy or investment goals, let’s talk.