Wealth Creation

The Wealth Architecture Protocol: 10 Rules to Target 17% CAGR (Automated)

10 Non-Negotiable Rules for Engineering Generational Capital.

01
The Cash Flow Audit

Is your monthly salary building your legacy, or is it just paying your landlord’s mortgage?

The Reality: Wealth isn’t what you earn; it’s the surplus you capture. Without a gap between income and expense, the algo has no fuel.

5 Steps to Execute
  • Set SIP Date to the 1st (Pay yourself first).
  • Apply the 50/30/20 Rule immediately.
  • Cancel 2 unused subscriptions today.
  • Commit 50% of every bonus to the fund.
  • Create a separate “Wealth Account” (Don’t mix with spending).
02
The Horizon Check

Are you trying to force a harvest in season one, or are you planting an orchard?

The Reality: Compound interest is back-loaded. If you quit in Year 3 because it’s “boring,” you surrender the explosion of Year 10.

5 Steps to Execute
  • Delete your broker app from your phone (Stop checking daily).
  • Commit to a “No-Withdrawal” pact for 7 years.
  • Visualize your wealth goal for 2035, not 2026.
  • Ignore short-term news cycles.
  • Review portfolio performance only Quarterly, not Daily.
03
Asset Allocation

If the stock market closes for 5 years tomorrow, is your portfolio strong enough to survive?

The Reality: Nifty can crash 50%. It has happened before. You need “All-Weather” protection.

5 Steps to Execute
  • Add GoldBees (Hedge) to your NiftySIP.
  • Keep 10% in LiquidBees (Dry Powder).
  • Rebalance portfolio once a year.
  • Don’t overlap (Avoid buying 5 Midcap funds).
  • Treat Gold not as an investment, but as insurance.
04
Emotional Firewall

Does your investment strategy depend on your willpower, or is it hard-coded into a system?

The Reality: Biology is your enemy. You will panic at the bottom. The system must override the brain.

5 Steps to Execute
  • Define your “Buy Rules” in writing today.
  • Automate the order execution.
  • Stop watching CNBC/News channels.
  • Create a “Cool Down” rule (Wait 24hrs before selling).
  • Trust the Algo’s logic over your “gut feeling.”
05
The Leak Audit

Are you unknowingly gifting a Mercedes-Benz to your mutual fund manager?

The Reality: A 2% fee destroys 40% of wealth over 20 years. Costs are the only thing you can control.

5 Steps to Execute
  • Check the Expense Ratio of your funds (Aim < 0.5%).
  • Switch from “Regular” plans to “Direct” plans.
  • Avoid ULIPs and Endowment policies.
  • Pay fixed tech fees, not percentage management fees.
  • Calculate your “Lifetime Fee Liability.”
06
Smart Accumulation

Do you fear the market crash, or is your system engineered to feast on it?

The Reality: Flat SIPs are lazy. The Eagle strategy buys 3x more when the market is on sale.

5 Steps to Execute
  • Set up the “Buy the Dip” tracker.
  • Keep cash reserves ready for -5% days.
  • Do not pause SIPs during corrections.
  • Increase allocation when RSI < 30.
  • View Red Days as “Discount Days.”
07
Expectation Management

Are you chasing a lottery ticket that destroys capital, or a system that doubles it?

The Reality: 15% CAGR doubles money in 5 years. 50% expectations usually lead to 0% results.

5 Steps to Execute
  • Accept that “Boring is Good.”
  • Calculate the Rule of 72 for your portfolio.
  • Avoid “Tip Groups” on Telegram.
  • Focus on CAGR over a 3-year rolling period.
  • Celebrate consistency, not lucky spikes.
08
Tax Efficiency

Is your silent partner (The Government) taking a 30% cut of your hard work?

The Reality: It’s not what you make; it’s what you keep. Proper structuring is the easiest Alpha.

5 Steps to Execute
  • Explore HUF (Family) account creation.
  • Perform “Tax Harvesting” every March.
  • Utilize the ₹1L LTCG exemption limit.
  • Split capital among family members to lower slabs.
  • Consult a CA for “Family Wealth” structuring.
09
True Liquidity

If you need ₹10 Lakhs in 24 hours for an emergency, can your portfolio deliver?

The Reality: Wealth locked in Real Estate is useless in a crisis. You can’t sell a bathroom.

5 Steps to Execute
  • Prioritize T+1 Liquidity (ETFs).
  • Keep 6 months’ expenses in Liquid Funds.
  • Don’t lock money in 15-year insurance schemes.
  • Ensure your Demat nominee details are updated.
  • Test your withdrawal speed once a year.
10
The Exit Protocol

Do you know exactly when to leave the party, or will you stay until the lights go out?

The Reality: Buying is easy. Selling requires a system. Don’t ride the elevator back down.

5 Steps to Execute
  • Set Profit Booking levels (e.g., RSI > 75).
  • Trim exposure when everyone is euphoric.
  • Move profits from Equity to Liquid/Gold.
  • Don’t “Marry” your stocks.
  • Keep dry powder ready for the next crash.