Sham Ramesh Wagle · Goa · investing since 2012
Three Milestones, Twelve Years, All Of Them Met
What Sham doubted in 2012 was not the plan. It was whether he could stay with it long enough.
Living in Goa, Sham began his investment journey in 2012 with a simple objective: prepare financially for the milestones he knew lay ahead. The first was his daughter Shrisha's higher education, followed by her marriage and eventually his own retirement and healthcare needs.
At the time, many of these goals felt distant. More than the goals themselves, he wondered whether he would be able to maintain the discipline required to stay invested for them over the years.
Twelve years, three goals
2012
The plan begins
Education, marriage and retirement, each with a defined timeline.
2016
Education funded
First instalment met from the goal built for it.
2019
Shrisha graduates
M.E. in Computer Science Engineering, BITS Pilani, Hyderabad Campus.
Early 2023
Her marriage funded
Planned for well in advance.
Today
Retired
Travelling with his wife, maintaining the corpus rather than building it.
2016 — the first test
When the first instalment of Shrisha's education fees became due, the money was already waiting for it.
Sham redeemed investments that had been created specifically for that goal. Over the following years those same investments continued to support her education, and in 2019 Shrisha completed her M.E. in Computer Science Engineering (Information Security) from BITS Pilani, Hyderabad Campus.
Despite living in Goa and being far from Gurugram, my experience has shown that distance does not matter when the process is right. Planning for my goals through FinEdge helped me prepare for my daughter's education, her marriage, and my retirement. Looking back, it remains one of the best financial decisions I have made.
With both his daughter's milestones behind him, Sham is retired and enjoying a new phase of life with his wife — travelling, exploring new places, and living off the corpus he spent twelve years building.