top of page
PC - Logo.png

Last year, I wrote this article describing my experience in the hospital and a quick recovery. In this write-up, I am trying to reflect on my spiritual journey over the last year.


Conquering death

At 4 PM on May 2nd, 2021, my HRCT scan was done, and the report came that 70% of the lungs had stopped working (CT 17/25). It was hard to breathe, and I needed some support. In a few hours, while going to the hospital, my 74-year-old father asked, ‘how are you holding up? I replied, ‘I have no idea what is happening, maybe getting too close’.


After necessary formalities, I reached my hospital room at around 12 AM. I was the only one in my room, still struggling to breathe. Finally, one of the nurses came and gave me an oxygen concentrator. The doctor came to check on me in a few minutes, took blood samples, etc. They checked the vital statistics; the temperature was 103.7, and the oxygen level had dropped to 86. The hospital could not start any treatment and had to wait until the following day to see the blood reports.


It was 12:30 AM; I could breathe because of the oxygen concentrator. I sat on my bed against the pillow and started meditating. It was not the first time. I already had almost one year of experience meditating at home.


Meeting death

A couple of minutes into the meditation, I experienced heat in my body. All my life’s memories passed by in a flash. I still remember the last scene of the memory flash, my three-year-old son looking at me and smiling. As I continued, I started experiencing extreme cold. Now my body began to tremble, and I experienced intense shivering. Then, a moment later, there was an absolute calmness and peace.


I could not feel my physical body. There was absolutely ‘nothing,’. I felt my body had become like thin air. The next moment, the experience became cosmic with absolutely no physical dimension. It was so beautiful and so calm. I saw a ‘red’ color in space. That red moving space came close to me, so serene and wonderful and so much as just ‘one.’ Suddenly, my eyes opened. I saw the time, and it was 2 AM. I felt that only a few minutes had passed.


I checked my arm and forehead, which were cold and sweaty. Then, I called the nurse to check my temperature and oxygen levels. The temperature had dropped to 97 degrees, and the oxygen level was back to 94. Interestingly, the last 8-9 days had gone with a very high temperature, and even paracetamol 650 mg had no effect. The hospital gave me the first medicine at 7 AM on 3rd May 2021.


The recovery

On the third day, a nurse came to my room while I was walking and asked where the patient was. She was the nurse who attended to me on the first day but had gone for two days of leave (they deserved the offs after working for 96 hours straight). I replied, ‘I am the patient.’ She said, ‘no sir, the patient who came on Sunday night.’ I replied, ‘that’s me.’ The nurse became a little emotional and said, ‘it is unbelievable because the other day when you came, we felt so bad for you and said, ‘he won’t make it’. I smiled and said, ‘I did’.


When I came back home, the first thing I said to my wife was, ‘I surrender’. Then, within a week, I drove to the hospital all by myself. The doctor was surprised too, and he cut down my steroids and other medicines and said you are fine now.


Interestingly, my day would start and pass by, and not a single thought would come to my mind. I started feeling that something had happened to me. Within a few weeks, I was talking to clients and managing work. But still, no thought would either come or go.


Self-discovery

I was worried about why I was feeling ‘nothingness’ in life. So, I started reading Upanishads and other Vedic texts. I wanted to get an answer to what happened in the hospital and thereafter.


In the yogic culture, how the soul leaves your body is described. Mula Dhara (chakra) gets activated and creates heat in the body. And one after the other, it starts to move to the higher chakras. This life and previous life's memories flash. After the body experiences heat, it will feel cold when it meets water in the stomach. The mixing of heat and cold will cause shivering, and at that time, the soul is ready to depart. The outlet would be the mouth, nose, or eyes. In the case of yogis, they manage to control ‘prana/soul’ and let it go out of the ‘temple.’


When I read this, I could not stop crying. The nothingness I experienced is called ‘heartfulness’ in Vedic terms. I started doing meditation more regularly, and each session gave me a deeper meaning of human existence.


My realizations


Oneness

We are all connected as one in the universe. Each living organism is connected. In this oneness, whatever you demand in your physical life, you get it. There are ways to plant the ideas in your mind, and the universe will serve you on a platter. But first, we must get our game right.


Short life

We attach too much meaning to the short life that we are living. We have been in existence for millions of years. The creator created us, and we will dissolve in the creator.


Nonphysical dimension

NASA also claims that physical space is 0.02% of the universe, and nonphysical space is over 99.98%. They call it dark energy. Our limited knowledge of 0.02% makes us believe that we ‘know.’ No, we don’t. Therefore, we must be more present with the nonphysical experiences.


Ego

To live a peaceful life in which we are not creating Samskaras (impressions), we must kill our egos. You can only see your true potential when you look beyond ‘I.’


Memory

Our memories restrict us. We need to kill all our memories to start living.


Intellect

In a nonphysical dimension, your high IQ level will handicap you. There are so many things beyond logic, and they can’t be explained using the existing world knowledge. The nonphysical experience can take you to the right place.


God

This is also a human being’s ego that we want to see God as human only. So why can’t the creator be not a physical being? The creator has created you and given you all abilities and other qualities just like the creator. Therefore, you are the creator yourself. This is the ultimate truth.


I am thankful that I sneak peeked at death. It's beautiful to be in a non-physical dimension. I think everyone realizes this, but just before death. Everything comes to a point ZERO. Nothing matters. Would you spend your entire life on things you have to leave, including your physical body?


I call myself a seeker now. I know a little but want to know more.


This is a note to me. Whenever I get arrogant, jealous, fearful, angry, etc. I want to read this and be thankful for what I have.


In 2012, a wave of digital advisory had just started to take over US financial markets. Market participants coined the term ‘Robo Advisory’. Betterment, wealth front, etc., were some of the initial Robo advisors in the US.


I work with a limited set of clients but give my best to serve them

Inspired by this trend, I decided to quit as a management consultant and create something for the Indian financial markets. Insurance agents, mutual fund agents, and brokers occupied the wealth management industry—questions such as why to save, how much, where remained unanswered.


These agents or brokers were interested in just pushing the products. But on the other hand, the investors, too, were more comfortable buying products than reflecting on why they were doing what they were doing.


Initially, I identified mutual funds as the closest products that could have catered to investors’ asset allocation. However, the backend systems did not allow a smooth information flow. In addition, India lacked a tech framework to enable data sourcing, analysis, execution, and fee collection, unlike the US. We had our small success with Finqa (Financial Questions Answered), but I realized that scalability was an issue.


Unlike the western world, Indians prefer human interactions (touchpoints). As I pointed out in my 2016 article on financial services trends online transaction platforms will take over investing space soon. Although we see a plethora of online transaction platforms, they lack advisory. So far, SEBI compliance for the advisory platforms is also biased toward human interactions. No wonder, in the last two years, a lot of these online transaction platforms have surrendered their advisory licenses.


When it comes to money, we have certain expectations and comfort with a particular person. Interestingly, the person could be associated with any institute/company, but in the end, the relationship is person-dependent (human interaction). In simple terms, Indian investors want a trust-based human relationship to meet their financial needs.


Over the last ten years, I have focused on building my financial advisory practice on high ethical standards and a human interactions-based approach. Instead of dealing with the masses, I dealt with selected few investors.


“It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.” – Warren Buffet

In each passing year since 2012, I have been able to improve client servicing and solutions. Ethical practices and professional conduct continue to be the core values of Plutus Capital.


It’s been almost ten years since I started my journey. Of course, all businesses see their lows; I had my share too. But Charlie Munger has always guided me; it is not about being smart; it is about not being stupid. Fortunately, I avoided stupidities and focused on a pull-based model than a push-based model. This, on its own, has led to tremendous growth in assets in my private advisory.


Howard Marks, Warren Buffett, Charlie Munger, Seth Klarman, and many others have guided me. Therefore, I am not influenced by market fads. Instead, I look at businesses and relationships that are long-lasting and durable. Cash flow makes a business durable, and integrity makes relationships durable.


Disclaimers

  • Investment in securities market are subject to market risks. Read all the related documents carefully before investing.

  • The securities quoted are for illustration only and are not recommendatory.

  • Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Details of the advisor

  • Advisor: Ankur Kapur

  • SEBI RIA No.: INA100001406

  • BASL Member ID: BASL1337

bottom of page