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Fresh new book companion app ! Capture, highlight, tag, organize & socialize your physical & ebook annotations Highlight email reminders, lists & a lot more ! Joined June 2019-
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Every decade has a “this time India is finished” narrative Meanwhile disciplined SIP investors keep accumulating FDs feel safe in the moment Equities build wealth over time Fear has terrible CAGR
@Klibbu1694 @zoo_bear @IndiaToday It did perform much better. Many reasons for it - weaker dollar, ZIRP era, better FII capital inflows, better global liquidity - all this helps emerging economies. Looking at exchange rates purely through a political lens is oversimplified
@zoo_bear @IndiaToday The Indian rupee has depreciated at 4-5% CAGR for the last 50+ years. Last 12 years after 2014 have been no different. Data says it all !!
@atulmodani The CAGR has stayed between 4-5% for the past 50 years !!
The CAGR has stayed between 4-5% for the past 50 years !!
BJP won an absolute majority on 16th May 2014, that day 1 US Dollar was ₹ 58.80 Today exactly after 12 years 1 US Dollar is ₹ 95.96
People love talking about best mutual funds Very few talk about surviving 30% drawdowns without stopping SIPs The edge in investing is emotional stability Not fund selection
@BaluGorade Most investors do not need 5 funds A good multicap fund plus a disciplined multi asset allocation is already a complete framework for long term wealth creation The real edge is staying invested for 15 years without panic
Most young investors kill returns by adding too many funds too early 1 flexi cap 1 midcap index Done Simple portfolios survive long enough to compound
I don’t use liquid funds either Money just sits in a high yield savings account And honestly that works fine The difference vs liquid funds is too small for the extra steps Access and simplicity matter more than tiny gains Optimization is overrated at small scale
Framing it as SIP vs PPF misses the point They solve different problems PPF is your stability bucket, SIP is your growth engine Most portfolios need both, not a winner
Rs 5,000 SIP vs PPF: Which Investment Can Build Bigger Wealth In 15 Years? Read more: ndtvprofit.com/personal-finan…
The real mistake is confusing labeling with investing Example: Investor A tags every SIP to goals but runs 90 percent mid and small cap Investor B ignores labels but sticks to 70 equity 30 debt with discipline In a downturn, only one portfolio survives intact Allocation drives outcomes, not goal mapping
Most people don’t have a goal problem, they have an allocation problem Mapping every SIP to a label feels neat, but what actually matters is whether your portfolio as a whole can fund your future needs Do the hygiene like nomination, but don’t over-engineer goals at the cost of flexibility
This weekend - one financial task only. Open your mutual fund statement. Check - Is every SIP mapped to a specific goal? Is every fund right for that goal? Is nomination updated? Most people have SIPs running with no goal attached. Random investing = random results. Goal based
Both scenarios deliver almost the same XIRR around 11 to 12 percent Yet the outcomes are different Compounding is not about chasing higher returns It is about staying invested long enough for returns to matter
50k SIP for 5 Years Invested: 30 lac Value : ~ 40.5 lac 5k SIP for 20 Years Invested: 12 lac Value : ~ 46 lac Keep time on your side when investing.
5 year returns in midcaps look extraordinary because the starting point was depressed and liquidity tailwinds were strong Extrapolating 25 percent CAGR for 30 years ignores cycles, drawdowns and mean reversion Midcaps create wealth but only if you can sit through long phases of underperformance without changing course
Mid-Cap Funds are giving returns of 25%+ CAGR over 5 yrs & creating wealth. A one-time investment of ₹1 Cr becomes ₹800 Cr at 25% CAGR in 30 yrs. Midcap 150 Index has given 26.87%. Many Funds have outperformed like Motilal 32.27%, Edelweiss 29.49%, HDFC 28.89% & Nippon 28.89%
💯 “Abnormal wealth” usually comes from concentration, not the vehicle. Mutual funds are built for diversification and discipline so outcomes cluster around market returns
Mutual fund investing can never create abnormal wealth period
Good starting point but this is more complicated than it looks Two small caps plus two flexi caps creates overlap without real intent At 25, simplicity and consistency matter more than fund count I would lean 1 index + 1 active and scale up later
If I was 25 today with a ₹1L salary, I'd do an SIP of ₹10K each: - Nifty bees - SBI small cap - DSP small cap - HDFC flexi cap - PPFAS flexi cap What would you do?
Sitting in cash for a year is harder than it sounds Most investors struggle to get back in at the right time Consistency usually beats timing over long periods Tracking what actually worked matters, mfunda helps with that
These are not the days to invest and forget. You need to deploy your capital when all are in fear and exit exuberance. We booked profits for our investors to stay in cash more than one year back. Today we are deploying that cash to invest. A big bull market is awaiting in next
QQQ vs PPFAS is not a fair fight. You are comparing concentrated US tech beta with a diversified Indian fund Higher return came with higher risk and a USD tailwind and most investors would not survive that volatility PPFAS gave up some upside but protected better on the way down
PPFAS vs QQQ:- (1) If you had invested 100$ in PPFAS in 2017, it would have grown at a CAGR of 14% (in $ terms). If you had invested 100$ in QQQ in 2017, it would have grown at 20% (in $ terms). (2) If someone ran a SIP of 25K/month on both. In 2026:- PPFAS value: 66.31L
Most portfolios fail not from lack of funds, but too many 16 funds is not diversification, it is confusion You are stacking similar exposures and calling it strategy Sector and commodity weight is doing more harm than good Simpler portfolios usually outperform because they are easier to stick with
@kapu7329 @kirubaakaran @shenoytech @mfundaDotCom add this as well
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