Stories
15-Year-Old Sinchana Santosh Builds ₹13.9 Lakh Fund from Pocket Money, Learns Trading on YouTube.
- •Bengaluru's 15-year-old Sinchana Santosh has amassed a ₹13.9 lakh investment portfolio using her savings and trading skills learned from YouTube.
- •Sinchana started saving her pocket money and festival gifts from a young age, accumulating ₹10,000 by age 12.
- •She learned about stock markets, mutual funds, and personal finance by watching videos of finfluencers like Ankur Warikoo and Dave Ramsey on YouTube.
- •Sinchana successfully obtained two NISM certifications and one from SEBI, showcasing her financial acumen.
- •She developed her own 'GDP Model' for selecting mutual funds and aims to financially educate 1 million students across the country.
Key Questions Answered
Sinchana built her ₹13.9 lakh portfolio by saving her pocket money and festival cash in a piggy bank, learning trading through YouTube, and reinvesting funds withdrawn from her parents' low-yielding traditional insurance policies. She invests in domestic and international equities and mutual funds with the goal of paying for her master's degree.
Sinchana developed the 'GDP Model' to choose mutual funds, where G stands for Growth-oriented funds to leverage compounding, D stands for Direct plans to eliminate agent commissions, and P stands for Passive index funds that provide stable returns at a low cost.
At age 14, Sinchana created an NCERT syllabus-based card game titled 'ITIHASA - The Royal Game' and donated 170 sets to 36 government schools in Bengaluru. She is currently developing another financial card game to teach students about budgeting, banking, and risk management with the goal of educating 1 million students.
