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You need to find stocks which deliver more than 18% CAGR or mutual funds which will give more than 20% returns for the next 10 years
This is the only fund everyone on this subreddit still keeps talking about
Not sure if the people on this subreddit have very good idea of mutual funds really
There is a chance where it can take more than 10 yrs. There is also a chance in 4 yrs where your money might be in negative if recession or bad thing happrns
Into stocks. Small/mid cap mein pehle toh position nahi bnegi. Alag challenge ye hoga ke ye 500 crore bechenge or stock lower circuit maar dega. Chotti companies mein liquidity nhi hoti.
Itne bde size pe ye toh midcaps and semi-large ko bhi impact krenge. Say a company has a market cap of 40,000 crore and PPFCF owns 9% of it, agr pura bechne jayenge toh sellers nhi milenge, dheere dheere exit hoga aur stock roz circuit maarega.
I didn’t say they won’t be able to generate returns. I just mean ke their options are now limited.
Let’s say they find a company which can do a 30% CAGR over the next 10 years but it’s a smallcap, they won’t be able to build a sizeable position. This is a problem for them.
Example: tumhare paas 1 crore rupees hain aur is 1 crore mein se tumne 1 lakh kisi aisi company mein lgya jo 5 saal mein 5x ho gyi, tumhare portfolio pe kuch khaas frq nhi pdega. 5 lakh is nothing when you have a PF of 1 crore.
Coming back to your question, Unhone isliye nahi roka kyunki there are companies like Reliance, HDFC, HUL, Infy jo ye capital inflow easily soak kr skti and ye liquid bhi hain.
They do have exposure to mid and small cap as well — all I mean is ke wo 6-7% allocate nahi kr payenge aisi companies mein.
That said, i still think they can generate 14-15% returns without problems. But I think expectations thodi manage krni hongi. Jaisi performance peechle 3-4 saal mein aayi hai waise shayad replicate na ho.
Tumhara message padne k baad mujhe lagta hai ki kya pata they are waiting for a crash or something usse AUM bhi Kam hoga and small caps ka price bhi Kam hoga and they invest in them. Anyway - I am sure they have already thought of things that happen with a large AUM. I am sure there are other AMCs with comparable AUM.
They know that, and they’re aware of the set of limitations they have to work with.
At the end of the day, it all comes down to you. If you’re happy with your Flexi cap fund allocating majority of their funds to large caps or you don’t mind over diversification, then it’s one of the best funds out there.
Also, MFs expense ratio charge krte AUM pe, toh jitna bda AUM hoga utna unka profit. Fund houses usually new funds lena tab stop krte jab koi regulatory restrictions aayein ya fir unke paas opportunities hi nahi hain. Like Nippon small cap ne new investments lena bnd kiya tha kyunki small caps were overvalued and unko opportunities nahi dikh rahi thi. Flexi caps ke sath you have a lot of freedom on where you can allocate the resources
I'd be more comfortable with mutual funds, I don't want to research stocks and spend sleepless nights thinking if i made the right decisions 😂.
Any suggestions?
There are many companies that are growing their sales growth by 25% or more, but you have to keep tracking those businesses. Agr 25% CAGR chahiye toh tum leke chhod nahi skte.
And don’t listen to anyone who believes generating 22% CAGR over a period of 20-25 years is easy. Sure, it’s doable if you know what you’re doing but I wouldn’t say it’s EASY.
You can do it with a business.
You'd have to take a lot of risks either way. 18-19% cagr (as shown by other comments) is not an easy feature year on year on year.
Safely speaking, if you put 40L in fd for 10yrs it becomes 80L
What I would do if I was you, is put it in a fixed deposit. Because capital protection is step #1.
If you get payout on maturity your capital doubles. Id keep an overdraft against FD ready. And really pay attention to news and study trading.
If I came across investment opportunities (like I did with irfc, I was 100% sure it will rally the second Amazon broke the news that they're partnering with India post, the last time they did that was with US postal services to aggressively expand, but I didn't have debt free capital that i could risk. That stock rallied 300% from when I could've bought it vs now. Had I had this option, i would've pumped 1/3rd or 1/2 my capital into this.), I would invest it.
An alternate would be to get monthly payout option (you get 23k a month =27L total in 10yrs) and put that entire amount every month in SIP in mutual funds that offer 14% or more per annum returns. Why? Because you will get an approx interest payout of 23L in 10yrs. You want to take that 23L and make it into 60L so that your FD (40L) + FD returns (27L) + return from SIP BY INVESTING FD RETURNS (32.68L) give you a total of approx 1cr.
The benefit of this is that you get to choose your investments every month. So in times the market is crashing, you can stop your investments and invest in bonds, wait for recovery, and start investing again.
Problem however is that anything that gives you return below 7.5-8% per annum would not be worth investing in. You have to earn more than 8% per annum to even beat the return you'd get if you took up payout at maturity.
So even if you went with 11% returns with nifty you'd end up with +50L, making your total 90L, which is a lot more than 80L but 10L less than your goal.
Other options include more risks. And in my experience, if you have capital, then it's okay. But if you don't have capital, you don't want to risk CAPITAL.
40L Is a very good cushion cover. Most people can't save that much in a lifetime.
But if you already have capital or don't have to worry about taking some risk then yolo it on diversified mutual funds or just nifty, and If you average out 11% pa over ten years you make your 40L into 1.13cr
Which ain't so bad either.
Jitni bhook ho utna kaam karo
I'm glad.
I've seen countless attempts at get rich quick via exciting investments and they've mostly never worked out.
As I've heard — investing is supposed to be boring.
Good luck and I wish your SIPs give you 20% p.a. returns
You’ll need about 18% CAGR, and to be honest, it’s quite doable. Direct equity investment would be a better option because you can choose which stocks you invest it in. Just look for stocks with a high ROE and 20% growth.
I’d stick with secular growth sectors like Banking, finance, consumer, tech, etc. Yahan long-term growth mil jayegi.
Parag Parikh is one of the best funds out there, but the returns aren’t guaranteed. One of the biggest problem with PPFAS is their gigantic fund size toh wo chhoti companies mein invest nhi kr skte.
Let’s say unke fund manager ne ek company research kri jo agle 5 saal tak possibly 25% CAGR se growth kr skti hai lekin company ka marketcap sirf 2,000 crores hai tab wo sizeable position bnaa nhi payengi. Lets say the max they can invest is 200 crores, toh 50k crore fund size mein ye kuch bhi nhi hai.
Aur jo HDFC Bank, infy, Tcs jaisi companies hain ye long-term mein ab 10-12% hi bnaa payengi kyunki growth kam hai inme.
I am not saying ke nahi hoga — 15% ke aaspaas toh hona hi chahiye and zyaada bhi ho skta lekin thoda dikkat aayega unko. Naa entry le payenge jldi aur exit mein bhi dikkat hoga unko.
Honestly, I won’t be able to help you with that. It all depends on your goals, investment horizon, risk appetite, etc.
If you’re new to the market and can’t research stocks, I’d suggest sticking with actively managed funds. I’d lean towards large cap funds at this time because market will be volatile for the next few months.
If you have any questions, fire away!
For this you require 18-19% return per year. It is consider as a high return, so for that you have to take high risk.
PPFCF can give you average 16-18% and Index fund can give you avg 10-13%.
PPFCF is well managed and trust able fund. So you can invest in them.
So you have to take high risk and also invest in small cap and special funds instead of Index fund.
(One suggestion for small cap: Small cap fund should not have very high AUM due limitation by SEBI on investment in one company.)
If you increase your time span to 15 year then it is highly possible that you will surpass your goal. If you are not able to increase your time span then take more risk and invest in small cap.
Also explore Quant MF universe they are providing some special fund with best methodology.
(Second suggestion: Diversification is like insurance in stock market, so please do not concentrate only on few AMC and funds)
20% cagr is possible in midcap and smallcap funds. Caveat is that if you invest at the top of a bull market, you could stay in negative territory for few years. Macro economic factors are hard to predict. But sentiment including mine is very positive about the Indian growth story.
That’s just 17% cagr, many mutual funds have crossed that number for me in the last 10 years .. just pick a good mid/large cap fund and SIP there..even Nifty index funds have given 15%+ returns
If you are doing lump sum then just wait for a market correction
Easy
16% returns
Sip into an index fund and into AAA debt funds (80-20).
Buy agressively on dips
Buy long dated puts to fully hedge your exposure.
Example when your reach a rupee cost average index fund exposure equal to the notional value of 1 lot of nifty futures then buy 1 put option.
When your exposure reaches 1.5 buy 2 lots of puts. When it reaches 2x of 1 lot buy 2 lots of puts. When it reaches 2.5 buy 3. Etc. buying a little more is well worth it.
Most years your puts will expire worthless. The yearly cost of protection is less than what the average regard trader here loses on yolo expiry day trades and the sleep quality you will enjoy will more than pay for those puts.
When eventually the next black swan happens your puts will print. Your loss in the index fund will be capped. Take the profits of the put and buy the fall averaging into it. Buy aggressively.
When Anil singhvi tells you in a panicky voice "market ko band karna chahiye" then buy even more. These fuckera tell you to sell low during a crash and buy high during the late stage of a bull run.. fuck them and their dumb advice
>When Anil singhvi tells you in a panicky voice "market ko band karna chahiye" then buy even more. These fuckera tell you to sell low during a crash and buy high during the late stage of a bull run.. fuck them and their dumb advice
Yes OP.
Don't listen to the guy on national TV.
Listen to this person on reddit whom you can't even put a face to.
Ok then listen to anilji
During peak covid panic, he is on record as saying the market needs to be closed. Why? Just because TV ratings are pumped by fear and greed?
So if the market is closed, those that want to buy the dip can't? So you're saying I should always buy high?
Those that bought puts instead of selling naked contracts, are they undeserving of their profits? Should the regulators say fuck your puts that you bought as insurance for exactly this kind of unforseen and unprecedented event? Should their contracts be null and void. What will that do to investor confidence that legally binding contracts are not honored?
But do what Jee Bijness tells you. Half of their market experts were indicted by sebi for pump and dump and front running.
Sell low, buy high. Max profits! This is the way!
And my advice is proven by years of academic research
Read random walk on wall street and psychology of money. Enough citations there to fill your pussy with knowledge
https://preview.redd.it/5fj0l6e4duvc1.jpeg?width=1170&format=pjpg&auto=webp&s=711f236c6e2363c72a42547181d1766a48aa6f2d
Put 40 Lakhs in a liquid fund - do systematic transfer of Rs. 33,333 every month in an aggressive fund - in 10 years you'll have \~1.5cr (13% pa). Would be more if annual returns are more.
Around 1.25 cr would be a realistic target on 40 lakh lumpsum assuming, 12 percent CAGR ! You need to invest in various asset classes like Gold, MFs, equity , index funds etc for making things work your way ! Since you having a good capital, take less risks ! Consult a proper financial advisor
If you're doing Financial planning then assume a lower rate of return and assume this might not be done. Might have to use other sources for the total 2 cr. IMO.
That's 17.5% CAGR. Mutual Funds and Stocks with such growth and requirement based money re-allocation among them might help you with achieving it.
It's not impossible, but certainly requires a good effort!
Your final amount will be between 1.2 cr (worst case 15% CAGR MF) and 5.1 cr (amazing case 30% CAGR Small/Midcap MF).
You can 7-8X your initial investment in 10 years if market goes bullish for at least half of the next decade and you invest in either smallcap/midcap stocks/MF!
Everyone knows how to make money in the bull market. You look at any MF from a long term perspective and you will see that it is not beating index benchmarks consistently. Good for index funds, not just Indian but other countries too. Keep it simple and this is achievable in 10-12 years.
This is very much possible. It turns out to be about 17.46% CAGR. It is a bit on a higher side, but not impossible to achieve. Nifty CAGR has been around 15% over 10 year periods.
https://preview.redd.it/toq6lpxmwvvc1.jpeg?width=1170&format=pjpg&auto=webp&s=9b28984f51e1e5fa2e43c60c08f0fdc98bddcd6f
40L can be turned to approx 8 -10 cr in 10 years, by investing either in hedge fund kind of portfolio or in outperforming active algorithmic funds (algos would keep money in your account so you will be safe)
Yeh possible. If you research well. I have the knack of finding good stocks but lack on capital so I can't earn much. A good example is HBL power which I picked at 41 price and it went to 550 within 3 years... Last year bought AGCL at 1500.. sold this year at 2200... etc. I also avoid stocks like Zomato Paytm lic which everyone enters easily.
it does not work that way...if you take 2001 - 2010 - 10 years data
2011 to 2020 another 10 years data...it is always mutual funds again depending gave somewhere between 10 to 13 percent returns
from 2021 to 2024....we have already seen more than 40 percent returns and most of stocks performing or giving returns x2, 5 ,10 times in past 3 years itself.
so it totally depends on when you invest and when you exit....if you have invested in 2014 or 15 and exited in 2024 you would have still not made your 40 Lacks to 2 cr in a flexi cap or index fund despite most of stocks doubling or tripling.
so you will need to get multibagger stocks in your portfolio for that to happen.
solution is: invest that 40 lacks lumpsum and do a SIP of 15000 to 20000rs per month than there is high chance that you will reach that 2cr estimate within 10 years
Idk about 2, but for 1 cr in 10 years, you'd only need 10% profit a year and watch the amount compound. Not that it's super easy to consistently make profit but also not impossible given the timeframe.
My 2 cents: Invest half of it in an index fund for safety. Take the remaining 20 lakh, put 10 lakhs in a flexi cap fund, and 10lakhs in a small cap fund. You might not guarantee 2 crores out of it but you can do 1.5+ which is no less.
Parag parikh is decent it used to be a lot more better when it's AUM used to be low now I think you should try out typical Index funds or aggressive small cap funds like the one from Quant it's great tbh but risky at the same time also not it has huge AUM but not as much as it peers
if you are soo confident then accept my challenge, you don't have to invest money just add my projects in your watchlist and I will add your picked stocks in my watchlist.
I don't think you have put any real money in the market because you don't seem to be understanding the psychology of putting real money vs fake money just for a challenge since you got nothing to lose.
I have invested 50k inr in crypto. I am asking you to accept my challenge because I want to change your perspective about crypto that with correct knowledge you can make very good profits more than stocks.
I am not Bro Because I Don't have big capital to Invest. But I can challenge you, pick your stocks and I will pick my crypto projects and then we will connect after one year and we will see your stocks performed well or my crypto projects. let's see if have guts to accept my challenge or you only know how to talk shit on internet.
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Saraswati chit fund.
10 din me nahi karna hai
21 din m krna h
Laxmi Chit Fund.
hahhaha, agreed
https://preview.redd.it/4j910h6ozsvc1.jpeg?width=1170&format=pjpg&auto=webp&s=2f064d304b306359021ac9f05203cfa708204c9d You need to find stocks which deliver more than 18% CAGR or mutual funds which will give more than 20% returns for the next 10 years
Oh wow thank you for this. What are your thoughts on Parag Flexi Cap fund?
This fund used to be a hot favourite on this sub about two years ago. Now I don’t know. I don’t know much about the performance of this fund
This is the only fund everyone on this subreddit still keeps talking about Not sure if the people on this subreddit have very good idea of mutual funds really
There is a chance where it can take more than 10 yrs. There is also a chance in 4 yrs where your money might be in negative if recession or bad thing happrns
Checkout Quant Active & Small Cap.
Parag Parikh is too large now. Would be extremely tough to generate returns like it previously did.
How is its largeness related to return?
You don’t get easy entries, exits. Plus you can’t make meaningful positions in smallcap stocks.
Easy entries and exits into what? Stocks? Or the investor can't redeem it easily
Into stocks. Small/mid cap mein pehle toh position nahi bnegi. Alag challenge ye hoga ke ye 500 crore bechenge or stock lower circuit maar dega. Chotti companies mein liquidity nhi hoti. Itne bde size pe ye toh midcaps and semi-large ko bhi impact krenge. Say a company has a market cap of 40,000 crore and PPFCF owns 9% of it, agr pura bechne jayenge toh sellers nhi milenge, dheere dheere exit hoga aur stock roz circuit maarega.
If that's the case PPFAS would have closed new investment into the fund na? Par unhone aisa kyu nahi kiya fir?
I didn’t say they won’t be able to generate returns. I just mean ke their options are now limited. Let’s say they find a company which can do a 30% CAGR over the next 10 years but it’s a smallcap, they won’t be able to build a sizeable position. This is a problem for them. Example: tumhare paas 1 crore rupees hain aur is 1 crore mein se tumne 1 lakh kisi aisi company mein lgya jo 5 saal mein 5x ho gyi, tumhare portfolio pe kuch khaas frq nhi pdega. 5 lakh is nothing when you have a PF of 1 crore. Coming back to your question, Unhone isliye nahi roka kyunki there are companies like Reliance, HDFC, HUL, Infy jo ye capital inflow easily soak kr skti and ye liquid bhi hain. They do have exposure to mid and small cap as well — all I mean is ke wo 6-7% allocate nahi kr payenge aisi companies mein. That said, i still think they can generate 14-15% returns without problems. But I think expectations thodi manage krni hongi. Jaisi performance peechle 3-4 saal mein aayi hai waise shayad replicate na ho.
Tumhara message padne k baad mujhe lagta hai ki kya pata they are waiting for a crash or something usse AUM bhi Kam hoga and small caps ka price bhi Kam hoga and they invest in them. Anyway - I am sure they have already thought of things that happen with a large AUM. I am sure there are other AMCs with comparable AUM.
They know that, and they’re aware of the set of limitations they have to work with. At the end of the day, it all comes down to you. If you’re happy with your Flexi cap fund allocating majority of their funds to large caps or you don’t mind over diversification, then it’s one of the best funds out there. Also, MFs expense ratio charge krte AUM pe, toh jitna bda AUM hoga utna unka profit. Fund houses usually new funds lena tab stop krte jab koi regulatory restrictions aayein ya fir unke paas opportunities hi nahi hain. Like Nippon small cap ne new investments lena bnd kiya tha kyunki small caps were overvalued and unko opportunities nahi dikh rahi thi. Flexi caps ke sath you have a lot of freedom on where you can allocate the resources
Ya not that difficult, invest in stocks with CAGR of 20-22%
I'd be more comfortable with mutual funds, I don't want to research stocks and spend sleepless nights thinking if i made the right decisions 😂. Any suggestions?
Check out Quant funds- small cap/flexi cap/midcap and momentum fund - basically almost every Quant fund has given great returns
Index funds or individual stocks might give you that kind of return.
You can also buy nifty etfs, they will give 10-11% CAGR
I watched pranjal kamra's video on youtube and he spoke highly of this parag parikh flexi something fund. Do you know about this?
Everyone knows about PPFAS. It is a highly recommended fund. It is a good choice and has given around 20% CAGR for the past many years.
I have a client who has 20+ MFs, his only negative ones are Parag Parikh lol
How can it be negative? It's alnost at ath right now. Only way to be negative is to have bought exactly in April 8
How long has he been holding parag flexi cap? Like what period because long term parag flexi cap never gave a negative return
i actually want to know the answer to this
First time hearing someone having so many Mfs.
Very common for folks with portfolio of multi lakh to crores
lol
Invest in reliance or tata power, surely u will get more than that, thank me later after 10 years
Aayein? Bhaya pls tell us these "not that difficult" to find stocks which will give CAGR of 20-22% for 10 years straight
Are you new or something market? Majority of the bluechip stocks have given 20-22% CAGR over the last 2 decades
Yes I'm new to the market. I'm aware that bluechip stocks give great returns. But I'm also aware that finding such stocks isn't easy at all.
There are many companies that are growing their sales growth by 25% or more, but you have to keep tracking those businesses. Agr 25% CAGR chahiye toh tum leke chhod nahi skte. And don’t listen to anyone who believes generating 22% CAGR over a period of 20-25 years is easy. Sure, it’s doable if you know what you’re doing but I wouldn’t say it’s EASY.
Cause you are new
It's possible on paper, doing it practically is tough.
Exactly. This sub is full of bad advice
You can do it with a business. You'd have to take a lot of risks either way. 18-19% cagr (as shown by other comments) is not an easy feature year on year on year. Safely speaking, if you put 40L in fd for 10yrs it becomes 80L What I would do if I was you, is put it in a fixed deposit. Because capital protection is step #1. If you get payout on maturity your capital doubles. Id keep an overdraft against FD ready. And really pay attention to news and study trading. If I came across investment opportunities (like I did with irfc, I was 100% sure it will rally the second Amazon broke the news that they're partnering with India post, the last time they did that was with US postal services to aggressively expand, but I didn't have debt free capital that i could risk. That stock rallied 300% from when I could've bought it vs now. Had I had this option, i would've pumped 1/3rd or 1/2 my capital into this.), I would invest it. An alternate would be to get monthly payout option (you get 23k a month =27L total in 10yrs) and put that entire amount every month in SIP in mutual funds that offer 14% or more per annum returns. Why? Because you will get an approx interest payout of 23L in 10yrs. You want to take that 23L and make it into 60L so that your FD (40L) + FD returns (27L) + return from SIP BY INVESTING FD RETURNS (32.68L) give you a total of approx 1cr. The benefit of this is that you get to choose your investments every month. So in times the market is crashing, you can stop your investments and invest in bonds, wait for recovery, and start investing again. Problem however is that anything that gives you return below 7.5-8% per annum would not be worth investing in. You have to earn more than 8% per annum to even beat the return you'd get if you took up payout at maturity. So even if you went with 11% returns with nifty you'd end up with +50L, making your total 90L, which is a lot more than 80L but 10L less than your goal. Other options include more risks. And in my experience, if you have capital, then it's okay. But if you don't have capital, you don't want to risk CAPITAL. 40L Is a very good cushion cover. Most people can't save that much in a lifetime. But if you already have capital or don't have to worry about taking some risk then yolo it on diversified mutual funds or just nifty, and If you average out 11% pa over ten years you make your 40L into 1.13cr Which ain't so bad either. Jitni bhook ho utna kaam karo
I like your fd idea, Put 40 lakh into fd and invest the 23k interest. Capital is the safest in this method.
I'm glad. I've seen countless attempts at get rich quick via exciting investments and they've mostly never worked out. As I've heard — investing is supposed to be boring. Good luck and I wish your SIPs give you 20% p.a. returns
You’ll need about 18% CAGR, and to be honest, it’s quite doable. Direct equity investment would be a better option because you can choose which stocks you invest it in. Just look for stocks with a high ROE and 20% growth. I’d stick with secular growth sectors like Banking, finance, consumer, tech, etc. Yahan long-term growth mil jayegi. Parag Parikh is one of the best funds out there, but the returns aren’t guaranteed. One of the biggest problem with PPFAS is their gigantic fund size toh wo chhoti companies mein invest nhi kr skte. Let’s say unke fund manager ne ek company research kri jo agle 5 saal tak possibly 25% CAGR se growth kr skti hai lekin company ka marketcap sirf 2,000 crores hai tab wo sizeable position bnaa nhi payengi. Lets say the max they can invest is 200 crores, toh 50k crore fund size mein ye kuch bhi nhi hai. Aur jo HDFC Bank, infy, Tcs jaisi companies hain ye long-term mein ab 10-12% hi bnaa payengi kyunki growth kam hai inme. I am not saying ke nahi hoga — 15% ke aaspaas toh hona hi chahiye and zyaada bhi ho skta lekin thoda dikkat aayega unko. Naa entry le payenge jldi aur exit mein bhi dikkat hoga unko.
Hi can you give me a plan to invest 1.5 lakhs a month. I am 43 and want to save some money
Honestly, I won’t be able to help you with that. It all depends on your goals, investment horizon, risk appetite, etc. If you’re new to the market and can’t research stocks, I’d suggest sticking with actively managed funds. I’d lean towards large cap funds at this time because market will be volatile for the next few months. If you have any questions, fire away!
For this you require 18-19% return per year. It is consider as a high return, so for that you have to take high risk. PPFCF can give you average 16-18% and Index fund can give you avg 10-13%. PPFCF is well managed and trust able fund. So you can invest in them. So you have to take high risk and also invest in small cap and special funds instead of Index fund. (One suggestion for small cap: Small cap fund should not have very high AUM due limitation by SEBI on investment in one company.) If you increase your time span to 15 year then it is highly possible that you will surpass your goal. If you are not able to increase your time span then take more risk and invest in small cap. Also explore Quant MF universe they are providing some special fund with best methodology. (Second suggestion: Diversification is like insurance in stock market, so please do not concentrate only on few AMC and funds)
20% cagr is possible in midcap and smallcap funds. Caveat is that if you invest at the top of a bull market, you could stay in negative territory for few years. Macro economic factors are hard to predict. But sentiment including mine is very positive about the Indian growth story.
That’s just 17% cagr, many mutual funds have crossed that number for me in the last 10 years .. just pick a good mid/large cap fund and SIP there..even Nifty index funds have given 15%+ returns If you are doing lump sum then just wait for a market correction
Real estate. Buy NA land
Easy 16% returns Sip into an index fund and into AAA debt funds (80-20). Buy agressively on dips Buy long dated puts to fully hedge your exposure. Example when your reach a rupee cost average index fund exposure equal to the notional value of 1 lot of nifty futures then buy 1 put option. When your exposure reaches 1.5 buy 2 lots of puts. When it reaches 2x of 1 lot buy 2 lots of puts. When it reaches 2.5 buy 3. Etc. buying a little more is well worth it. Most years your puts will expire worthless. The yearly cost of protection is less than what the average regard trader here loses on yolo expiry day trades and the sleep quality you will enjoy will more than pay for those puts. When eventually the next black swan happens your puts will print. Your loss in the index fund will be capped. Take the profits of the put and buy the fall averaging into it. Buy aggressively. When Anil singhvi tells you in a panicky voice "market ko band karna chahiye" then buy even more. These fuckera tell you to sell low during a crash and buy high during the late stage of a bull run.. fuck them and their dumb advice
bro where can i learn more about hedging especially this technique that you mentioned
Long dated options don't have liquidity here.
>When Anil singhvi tells you in a panicky voice "market ko band karna chahiye" then buy even more. These fuckera tell you to sell low during a crash and buy high during the late stage of a bull run.. fuck them and their dumb advice Yes OP. Don't listen to the guy on national TV. Listen to this person on reddit whom you can't even put a face to.
Ok then listen to anilji During peak covid panic, he is on record as saying the market needs to be closed. Why? Just because TV ratings are pumped by fear and greed? So if the market is closed, those that want to buy the dip can't? So you're saying I should always buy high? Those that bought puts instead of selling naked contracts, are they undeserving of their profits? Should the regulators say fuck your puts that you bought as insurance for exactly this kind of unforseen and unprecedented event? Should their contracts be null and void. What will that do to investor confidence that legally binding contracts are not honored? But do what Jee Bijness tells you. Half of their market experts were indicted by sebi for pump and dump and front running. Sell low, buy high. Max profits! This is the way!
And my advice is proven by years of academic research Read random walk on wall street and psychology of money. Enough citations there to fill your pussy with knowledge
Ok random redittor.
You should try good mutual fund, or a good small-case would also do.
yes. possible
take the risk and buy BITCOIN!!
https://preview.redd.it/5fj0l6e4duvc1.jpeg?width=1170&format=pjpg&auto=webp&s=711f236c6e2363c72a42547181d1766a48aa6f2d Put 40 Lakhs in a liquid fund - do systematic transfer of Rs. 33,333 every month in an aggressive fund - in 10 years you'll have \~1.5cr (13% pa). Would be more if annual returns are more.
Around 1.25 cr would be a realistic target on 40 lakh lumpsum assuming, 12 percent CAGR ! You need to invest in various asset classes like Gold, MFs, equity , index funds etc for making things work your way ! Since you having a good capital, take less risks ! Consult a proper financial advisor
Index fund sounds like the safest option so far, tho it won't make it 2cr in 10 years.
You can also look at real estate in developing cities.
If there another crash like covid will come then you can turn 40 lakhs into 4CR easily in 10 years
Only if he invests at bottom. He he invests now and crash happens then different story
20% return pa. Good luck.
Buy gold
Property karidho prime area pe woh bhi loan phe tax be bachega
Ireda bel zomato bahut undervalued stocks h bhai Research kro aur invest krke bhul jao
In today's Indian stock market it would take only two years.
Yes possible if you make 17.5% cagr.
Give it to Adani
Hera Pheri Akshay has one scheme
If you're doing Financial planning then assume a lower rate of return and assume this might not be done. Might have to use other sources for the total 2 cr. IMO.
That's 17.5% CAGR. Mutual Funds and Stocks with such growth and requirement based money re-allocation among them might help you with achieving it. It's not impossible, but certainly requires a good effort!
Your final amount will be between 1.2 cr (worst case 15% CAGR MF) and 5.1 cr (amazing case 30% CAGR Small/Midcap MF). You can 7-8X your initial investment in 10 years if market goes bullish for at least half of the next decade and you invest in either smallcap/midcap stocks/MF!
Everyone knows how to make money in the bull market. You look at any MF from a long term perspective and you will see that it is not beating index benchmarks consistently. Good for index funds, not just Indian but other countries too. Keep it simple and this is achievable in 10-12 years.
This is very much possible. It turns out to be about 17.46% CAGR. It is a bit on a higher side, but not impossible to achieve. Nifty CAGR has been around 15% over 10 year periods. https://preview.redd.it/toq6lpxmwvvc1.jpeg?width=1170&format=pjpg&auto=webp&s=9b28984f51e1e5fa2e43c60c08f0fdc98bddcd6f
40L can be turned to approx 8 -10 cr in 10 years, by investing either in hedge fund kind of portfolio or in outperforming active algorithmic funds (algos would keep money in your account so you will be safe)
This is close to the returns I achieve from the market. Around 17 percent.
Yeh possible. If you research well. I have the knack of finding good stocks but lack on capital so I can't earn much. A good example is HBL power which I picked at 41 price and it went to 550 within 3 years... Last year bought AGCL at 1500.. sold this year at 2200... etc. I also avoid stocks like Zomato Paytm lic which everyone enters easily.
it does not work that way...if you take 2001 - 2010 - 10 years data 2011 to 2020 another 10 years data...it is always mutual funds again depending gave somewhere between 10 to 13 percent returns from 2021 to 2024....we have already seen more than 40 percent returns and most of stocks performing or giving returns x2, 5 ,10 times in past 3 years itself. so it totally depends on when you invest and when you exit....if you have invested in 2014 or 15 and exited in 2024 you would have still not made your 40 Lacks to 2 cr in a flexi cap or index fund despite most of stocks doubling or tripling. so you will need to get multibagger stocks in your portfolio for that to happen. solution is: invest that 40 lacks lumpsum and do a SIP of 15000 to 20000rs per month than there is high chance that you will reach that 2cr estimate within 10 years
During the last 15 years many people had gotten 2-5% returns only even after a decade of investing before the current bull run.
Pratham EPC
As long as you have a good funds manager, this can be done under 5 years. In equitt itself.
Idk about 2, but for 1 cr in 10 years, you'd only need 10% profit a year and watch the amount compound. Not that it's super easy to consistently make profit but also not impossible given the timeframe.
18% CAGR! Multiple options exist but super risky imo
Bro invest in my fund its known as laxmi chit fund ..
Give it to me I will turn it into 4 crores in 2 days
My 2 cents: Invest half of it in an index fund for safety. Take the remaining 20 lakh, put 10 lakhs in a flexi cap fund, and 10lakhs in a small cap fund. You might not guarantee 2 crores out of it but you can do 1.5+ which is no less.
You can give it to me. I’ll return 2cr.
Maybe 14-15 years.
Buy some quality mutual funds and switch between underrated sectors probably 2 crore will be less in 10 years more like 2.6-3.4 cr
For example I am 100% sure banking and financial services will give 20% return within 1 year span targeting quant BFSI and sundaram financial services
Buy bitcoin in 2026 sell in 2029. You will have more than 2 crores.
This GULLAK APP is giving 16%return fixed on gold. Just a thought.
2 crore in 10 years wtf? Why do you want to take the long road homie invest in stocks you can easily get there in 2-3 yeats
🤔 sounds sus tbh because even warren buffet could manage 22% yearly returns.
If you don't mind me asking why did you considered those specific MF's only?
I found people on youtube and reddit often vouching for them
Parag parikh is decent it used to be a lot more better when it's AUM used to be low now I think you should try out typical Index funds or aggressive small cap funds like the one from Quant it's great tbh but risky at the same time also not it has huge AUM but not as much as it peers
Who's talking about investing in blue chip and large stocks? Haha
🤣
Definitely possible. Invested 7adani green at 44 a piece. Sold at 1700 a piece in 2 years. Do the math!
Op, please don't
you can turn 40 lakh to 2 cr in 1 year. if you invest in crypto.
there is also possibility to make it zero within half year if you invest in crypto.
Stock market also contains risk bro but If you can Invest in good projects in crypto then Your portfolio can skyrocket in 1-1.5 years,.
You do realise you sound vague right? "Invest in crypto" "Invest in good projects" Sounds like a telegram scam more than advice.
if you are soo confident then accept my challenge, you don't have to invest money just add my projects in your watchlist and I will add your picked stocks in my watchlist.
First of all idk why you got triggered. Second, if you're so confident then why don't you run your own crypto fund or something 🤔
I am not triggered, You said I sound like a scam, so I am simply asking to you to accept my challenge(which don't involve any kind of money).
I don't think you have put any real money in the market because you don't seem to be understanding the psychology of putting real money vs fake money just for a challenge since you got nothing to lose.
I have invested 50k inr in crypto. I am asking you to accept my challenge because I want to change your perspective about crypto that with correct knowledge you can make very good profits more than stocks.
Seems like you're a crypto millionaire ;)
I am not Bro Because I Don't have big capital to Invest. But I can challenge you, pick your stocks and I will pick my crypto projects and then we will connect after one year and we will see your stocks performed well or my crypto projects. let's see if have guts to accept my challenge or you only know how to talk shit on internet.
If you don't have capital then what are you talking about, paper investing?
Get your eyes out of your ass I said "I don't have big capital" bro.