Pay4Profits
I’m Sandeep Malakar — 49 years old, Ex-Investment Banker, MBA-Finance and Founder of Pay4Profits. For 24 years, I’ve helped Corporates, HNIs and Business families understand wealth the right way — and now I’m simplifying those same concepts for retail investors through structured financial education.
The essential base of wealth: fixed income, asset allocation, portfolio stability and structured thinking — the same first step used by wealthy families.
Learn credit risk, market risk, liquidity risk and behavioural risk. Knowing risk is more important than knowing products.
Understand compounding, SIP discipline, return cycles, cashflow behaviour and long-term growth mathematics.
Learn the largecap–midcap–smallcap logic, diversification strategy, return behaviour and long-term equity discipline (educational only).
Understand corrections, rallies, sideways markets and sentiment — how patient investors use cycles to stay disciplined.
Learn how professionals evaluate risk frameworks, portfolio concentration, fee structures and suitability considerations.
Learn how yields work, how interest rates affect portfolios and why wealthy families always maintain a strong fixed-income foundation.
Understand valuation principles, liquidity restrictions, dilution, and pre-listing frameworks (purely educational).
Learn why most investors lose money — and how disciplined, structured behaviour creates multi-generational wealth.
This calculator is designed purely for educational understanding of discipline, compounding and long-term financial habits. It does not indicate future returns or recommendations.
This tool helps you understand how consistent investing and time influence long-term corpus building — using simple math, not predictions or investment advice