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The Wealth Architecture Protocol: 10 Rules to Target 17% CAGR (Automated)
10 Non-Negotiable Rules for Engineering Generational Capital.
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.
- 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).
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.
- 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.

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.
- 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.
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.
- 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.”
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.
- 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.”
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.
- 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.”

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.
- 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.
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.
- 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.
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.
- 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.
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.
- 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.