Smart Ways Gen Z Can Build Their Portfolio | Investment Guide | Money Today | GenZ Investment Guide

Gen Z is entering the world of investing earlier than previous generations, with access to SIPs, mutual funds, stocks, gold, crypto and other emerging asset classes. But greater access also brings new challenges, from social media-driven investment trends and FOMO to the temptation of chasing quick returns. In this special edition of Money Today, Santosh Joseph, Founder, Germinate Investor Services and Kshitiz Mahajan, CEO, Complete Circle decode how young investors can approach wealth creation with greater discipline and clarity. The discussion covers building an emergency fund, starting systematic investments, understanding equity exposure, choosing between direct stocks and managed investments, and avoiding excessive risk through speculative trading. The experts also highlight the importance of research, realistic return expectations, long-term investing and compounding. The focus is on helping Gen Z build sustainable financial habits while balancing present-day aspirations with long-term financial goals.