Pals earns £110K in just four days teaching women how to invest

Best friends, who have solved their own disagreements for over 20 years, have focused their problem-solving skills on the world of finance – earning a staggering £110k in four days by investing in women on how to find freedom.

Simran Kaur aka Sim and Sonya Gupthan, both of them met at school in Auckland, New Zealand, at the age of five, at the age of five, and always strived for success – stocks, shares and personal finance in their teens. got emotional about.

Launching Girls Investing with just one Facebook and Instagram account in March 2020 providing financial tips to young women, the pair became an overnight success – with a business podcast and an online learning platform, Thinkfic as course creators. Achieving six figures in

Now serving hundreds of thousands of women and minority groups around the world, Sim of Hamilton, New Zealand, provided the free and paid-for service, said: “We are two women of color who want to make investments that work for women and minorities. seem less challenging.

“We don’t tell women what to invest in, we just simplify the stock market and teach them how to tell fact from myth and understand jargon that can be intimidating and awkward.”

Sim, who bought his first home after saving and making money from investments, now works full-time for the venture, while Sonya – who joins him on the podcast – has kept her day job in insurance.

While neither of them come from a wealthy family, they credit Sonya’s older brother, Ari, for driving their success, as he helped them save a portion of their salary each month and take their personal finances seriously. impressed on the importance of taking.

According to Sim, seeing that many older women in their culture were financially dependent on their husbands made Ari’s message all the more poignant.

She said: “We have to remember that women have been allowed to do more than just the basics with money until relatively recently and I’ve seen inequality and financial hardships for myself, when the culture is still patriarchal. “

Sim Kaur and Sonya Guptan in New Zealand

She continued: “I knew from a young age that this was not for me.

“Money is still a taboo subject for so many women, but to me money means freedom.

“It’s not about having a nice house or a nice car. It’s about the freedom to make your own choices and that includes the freedom to say ‘no’.”

But Sim says her success hasn’t happened overnight—she insists she’s followed the learning curve.

Sonya and Sim age 10
Sonya and Sim age 10

She quickly realized the virtue of patience when she panicked and pulled out of a £150 investment in Amazon stock, selling all of her shares as the price had dropped by £1, only to see it again. going above.

She said: “I learned the importance of buy and hold with that investment, as I had to repurchase my shares and it cost me £12 in brokerage fees.”

Quickly bitten by the savings bug after leaving university, where she trained for five years as an optometrist, she rented a room and saved up within two years of graduating and was able to deposit £28,500 on her first home. Made a substantial investment for – a £282,100 separate two-bedroom house in Hamilton.

While £18,723 came from his personal savings, £9,641 came from his investments in stocks. He had invested £7,280 and received a return of £2,181 in one year.

Still not content to put his feet up, he ramped up his savings with side-hustle, including selling customized T-shirts online.

Despite their own success, 50 percent of global wealth remains in the hands of men, according to charity Oxfam, showing women how to invest hasn’t always been easy for dudes.

Sim said: “Learning the material and how to invest wasn’t difficult, but we weren’t learning in a space that felt welcome.

“I used to feel like an outsider and often felt like I was being talked about.”

Sim Kaur and Sonya Guptan together
Sim Kaur and Sonya Guptan together

He continued: “If you look at movies about investing, they’re always about men in suits and when researchers study women and money, they see that women tend to save on their purchases. How to use coupons – not how they can become successful investors.

“In our generation, learning to invest is dominated by what we call the ‘Finance Brothers’ on TikTok, which can often come across as very shouting and aggressive.

“People just don’t associate being a young woman with money, and at times I felt like maybe I shouldn’t.”

But Sim says the barrier preventing most women from investing is self-constructed.

She said: “Women tell themselves that they are not good with money and investing is not for them, but no one is born with a manual on how to invest. The main obstacle we see is knowledge.

“You need to understand the myths, educate yourself about the jargon, and then understand your risk tolerance, so that you can decide where and how much you want to invest.”

Sim Kaur with a sold out sign at her home in Hamilton
Sim Kaur with a sold out sign at her home in Hamilton

For women who want to “play it safe,” investing in bonds is a good option, according to Sim.

Those who, like him, adopt a more aggressive investment philosophy, can increase their risk appetite and invest in stocks that can go up and down – often bringing in better returns, but when the market goes down, steel Nerves are in demand.

“It’s important to do your own research and invest only what you can potentially lose,” Sim said.

She continued: “Make a plan. Accept that there are risks involved and be patient. Don’t let the ‘fluctuations’ of the market scare you and try and avoid looking at or checking your stocks every day.”

When it comes to their joint business, best friends after 20 years in each other’s lives—both of whom are single—complement each other, Sim says.

She embodies the “big picture, big idea” and Sonya brings organization, focus, and flexibility into the mix.

“Sonya is a real go-getter and I learn a lot from her, especially because she is so open to learning and new ideas,” said Sim, which both women adore when it comes to TV and public speaking. So she is more confident. ,

“She is also very interested in self-development and self-development.

“We’ve been friends since we were five and we’ve had a lot of differences in that time, so if there’s something we don’t agree on, we know how to solve it.”

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She continued: “The most important thing is that we don’t do it by text or messages. We talk face-to-face and communicate with each other properly.”

As well as their weekly podcast, Sim and Sonya now run an online investing masterclass course for women who want to invest but don’t know where to start. Composed of six modules, it costs £149.

And Sonya insists that she and Sim have broken the old adage that you shouldn’t mix business and friendship.

She said: “I feel privileged to be working with Sim.

“It has been a journey of getting to know each other. We have always been good friends, but working together is a different kind of dynamic.

Sim Kaur and Sonya Guptan together
Sim Kaur and Sonya Guptan together

“What has worked for us is effective communication and being clear on roles and responsibilities.”

She continued: “Overall, it’s a dream. I wake up and think, ‘Wow! This is something I’m doing with my best friend.’

“I often wonder what five-year-old Sim and Sonya will think and I think we’ll be like, ‘Wow! That’s cool.'”

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