Most of us obsess over earning and investing… but the real game-changer in wealth creation often comes much later during the transfer phase.
In this episode of the Moneywise Podcast, Virat and Rachita dig into a stage that many investors overlook until it’s too late. This is the point where decisions about how you move or withdraw your money can decide whether your wealth continues to work for you or gets eroded.

You’ll hear stories, sharp banter, and a few face-palm moments as we unpack:

- Why simply growing your portfolio isn’t enough if you don’t plan what happens next.
- How unplanned moves during the transfer phase of wealth can undo years of progress.
- Common mistakes investors make, and how poor planning has left some with far less than they expected.
- The role products like a Debt Fund can play in smoothing this stage, and why rushing in or out of assets without a plan can backfire.
- Practical pointers for anyone aiming to turn their savings into a sustainable financial legacy.

Whether you’re just starting with Mutual Fund investments or you’re further along your journey, this episode shows why understanding all phases of investing is as crucial as focusing only on returns.