1. Invest based on advice from unregistered finfluencers, agents, or brokers—especially those who say “Trust me bro” and don’t follow their own strategy.
2. Shift your entire portfolio between gold and silver because they were category toppers last year. Past performance is obviously a guarantee of future returns.
3. Trade in Futures & Options. It’s thrilling, intellectually stimulating, and an excellent way to donate money to the market.
4. Apply to every IPO. After all, every new company is the next Google until listing day.
5. Invest heavily in a strategy that perfectly times rebalancing. Fund name: Momentum Alpha Beta Gamma Omega Plus Pro Max Fund.
6. Go all-in on companies with “AI” somewhere in their presentation. Because, businesses without AI will clearly shut shop by 2026.
7. Park large sums in bonds promising 10–14% “guaranteed” returns, preferably from cooperative banks with attractive banners and very small fine print.
8. Invest aggressively in real estate assuming you’ll become as rich as the builder —or at least Shah Rukh Khan. Maintenance, liquidity, and taxes are myths anyway.
9. Stocks, bonds, real estate, and gold are for boring people. Your money is safely parked in cryptocurrency—the currency of the future, the present, and sometimes the past.
10. Buy traditional insurance plans or ULIPs expecting guaranteed and market-beating returns. Why settle for logic when you can have brochures?
Bonus – My Personal Favorite
Transfer your entire or substantial wealth to loved ones during your lifetime to save tax—because family discussions always remain logical, peaceful, and reversible.
Wishing you and your loved ones a joyful Christmas season and a financially wiser 2026. And if you really care for your financial wealth, do check the engagement options with us at www.naveenrego.com.
Happy Financial Planning!
Naveen Julian Rego – CFP®
MD & Principal Officer
Naveen Rego Capital
SEBI Registered Investment Adviser
Reg No: INA000019211
BSE Membership ID: 2178
Financial Planning | Investment Advisory | Wealth Management
www.naveenrego.com
Date: 16-12-2025
Disclaimers:
1. Investment in the securities market is subject to market risks. Read all the related documents carefully before investing.
2. Registration granted by SEBI, membership of BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
3. Financial products recommended by us which are under the jurisdiction of other regulators are beyond the scope of SEBI’s grievance mechanism.
