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Cheat Sheet for Investing Your Money (Free E-Book)

“Go to college, study hard, get good marks, land up in a decent job and you’re settled.”

The world around us has changed but this advice hasn’t.

The concept of getting good grades and finding a good job is an idea whose time has passed. It is not a bad advice but we need new ideas and different kind of education.

In the long term, the old advice is not just insufficient but downright risky.

We have been taught, and taught pretty well, how to work hard to earn money. But what about making our money work hard for ourselves? Every rupee that you earn has in it the seed to multiply into thousands. You just have to know where to sow that seed and how to water it.

The only way to learn that is to start on the path of self-education. A wise man said – “School education will earn you a living but self-education will make you a fortune.”

It does not matter where you stand today. Whether you are a student, in a job, a professional or even unemployed, you have the ability to educate yourself and take control of your personal finances.

If you are reading this, my guess is that you have already spent some time looking for the answers to your financial and investment queries. Therefore, you are a seeker who has already taken the first few steps.

And probably you are already overwhelmed with the information available out there. Just the enormity of the task (things to read) may become a roadblock. So how do you eat an elephant? One bite at a time.

Here is an E-Book – collection of the most important posts, edited and connected, I’ve written on saving and investing – that could be that first bite, the starting point, to build your financial intelligence, which will become the foundation of your financial future and thus a fulfilling life.

What Lies Ahead?
Changes lie ahead that are beyond our imagination. Who knows what the future brings?

But whatever happens, we have two fundamental choices to make – Continue doing what we are doing hoping that things will work out better which, according to Einstein, is pretty close the definition of insanity – “Doing the same things and expecting a different result” or learn to play the game smartly by preparing, getting educated and awakening your own financial genius.

Truth be told, the ideas presented in this E-Book are not too far-fetched and anyone can start implementing them from day one. But as they say, things which are easy to do are also easy not to do.

This book has been written to make things as simple as possible but not more than that.

It is your hack book to cut through the non-essential and directly access the core ideas.

I am sure there are many more important questions you may have on your mind when it comes to saving and investing your money. Please ask them here, and I will update the E-Book further with my answers to those questions.

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About the Author

Vishal Khandelwal is the founder of Safal Niveshak. He works with small investors to help them become smart and independent in their stock market investing decisions. He is a SEBI registered Research Analyst. Connect with Vishal on Twitter.


  1. Deepak Krishnan says:

    thanks a lot Vishalbhai :), priceless indeed.

  2. abhishek bhattacharya says:

    Downloaded it with lot of expectations. I haven’t yet read it but going by your earlier posts,some of which are great I am anticipating a great fun and wisdom . Thanks. All you guys are doing great work !!

  3. Thanks a lot for sharing it.
    One request from my side, Can you please provide it another format like epub/mobi also.
    It would be easier for us to carry in our kindles.

    • Vishal,
      I carry my kindle always in my office laptop bag. When ever I leave my office laptop bag unattended in car, I worry more about my kindle than anything else due to its content. I would like to add your articles to it and hold on for a very long time, will pass it to my next gen :).
      Such a valuable content I find in your articles.

      I think you have missed to read my comment.
      Please reply.


    • Thanks Vijesh!

      Sorry, there is no such version as of now. However, you may try an online software to convert.

  4. Hey Vishal,
    Great and refreshing website was recommended to me by Abhinav Mansinghka. Like your reviews of Annual reports. Keep them coming.

  5. unable to download the book. have tweeted also.
    please check the link.

    thanks a lot

  6. Unable to download…despite tweeting..kindly check the link

  7. Hi Vishal,

    Thanks for another great information and another helpful resource for all the followers.
    Can you add information in this or some future posts how do you do rebalancing of your portfolio between equity and liquid funds due to fall or rise in the market, if there is a huge shift in decided asset allocation. I am especially interested in how to choose the liquid funds as we do not know the duration as we do not know when we will rebalance again. If you have already shared this information, please point me to the link.


  8. Hi Vishal,

    Unable to download it. Can you please send it my mentioned email id.


  9. vinay satija says:


    I am unable to download even after liking the fb page.

    Please help!

  10. Hi Vishal,
    Was unanle to download this e-book,by tweeting or liking fb page. Please provide any workaround to download the same.
    Thanks in advance

  11. Pradeep Gowda says:

    Would comment on finishing it.

  12. pradeep gowda says:

    Lots of valuable advice for investing, especially the saving money part. How much to be saved for what.
    Also liked the Mungerisms.

    One more thing i would like to point out is, people dont track how much they spend each month, especially youngsters. Once i started tracking what i was spending where, I was a bit shocked myself about my spending habits.
    I use an application to track my monthly spendings.

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