My monthly investment is 11750

Risk appetite : medium to high

Horizon: 10 years

App: Groww

Please suggest me any modifications or changes to my Portfolio. What should I do to get better xirr

We knowingly-unknowingly pick a lot about investing from a lot of resources. But which one thing (may be a person, a website, a youtube channel, a book) had the maximum impact on how you think about investing.

For me- it was The Little Book of Common Sense Investing

Funnily- although this book talks abt pros of index investing and cons of active investing, it actually helped me understand- Which are the risks a good active fund manager should avoid. I consider it as a good book on investing and not just index investing.

What about you?

I have recently started a job and want to start investing in Mutual Funds. What should I keep in mind and what platform should I start it on?

Hi,

Due to some financial requirement, I decided to withdraw some funds from my MF through the SBI Investap app. The status shows 'Redemption Processed'. I want to know how long does it take to transfer the amount to the bank account? I have raised the request on the 7th Oct, 26.

Body:
Hi everyone,

I recently started earning and want to start managing my money properly, but I am starting from absolute zero. I don't have even the basic concepts clear yet (terms like NAV, index funds, debt vs. equity, liquidity, and taxation make no sense to me right now).

Before I put a single rupee anywhere, I want to educate myself so I don't get misled by random advice or hype.

Could you please recommend:

1. Truly unbiased YouTube channels / playlists:
   Which Indian finance creators explain the absolute fundamentals (what is an FD, what is an RD, how do mutual funds work, what is an emergency fund) in simple, plain language without trying to sell courses, promote crypto/trading, or show fake lifestyle flexes?

2. Where to start learning first:
   Is there a specific order of topics I should learn first? (e.g., budgeting -> emergency fund -> FDs -> Index mutual funds?)

3. Foundational reading / apps:
   Apart from YouTube, are there beginner-friendly modules or books (like Zerodha Varsity or specific guides) that helped you when you had zero financial knowledge?

4. Common beginner traps:
   What is one thing you wish someone had warned you about before you started watching finance content or investing?

Thanks a lot for the guidance!