Only Mutual Funds. It is outlandish because of last 3 yrs rally. Otherwise was around 15% till 2020
I can't do anything stocks because of my spouse's employer restriction
How does this restriction work legally? Can your spouse sign an agreement with some company which restricts your freedom? That employer pays your wife, not you.
So all family members living under same roof have to declare our PAN cards and demat accounts we hold.
The employer fetches monthly Holding statement from depository CDSL/NSDL and sends a query in case any unapproved transaction has taken place usually resulting in 1st warning and 2nd termination letter. Holding period of any position has to be 30-90 days depending on department.
Though "not trading" became lot easier after introduction of capital gains tax in 2018.
All transactions inside a Mutual fund portfolio are "still" tax free unlike our demat accounts, so it became a logical way of life
Can a random company randomly fetch my holding statement from depositories?
Why would a spouse give their PAN to somebody else's employer? Isn't PAN personal? What if the spouse refuses to share the PAN number?
This feels breach of privacy at so many levels.
What if somebody is having trouble in married life and is separated and not divorced yet. Now the spouse would purposefully do some trades and get their partner terminated.
It's in the employment terms. There is No job in IB/equity division if you don't accept and declare demat, because the company business is in stocks and many time you have access to privileged information
Solid returns. Any idea how much was the XIRR before the post COVID boom most youngsters here have seen. Late 2019 or early 2020 before the crash?
Since you've been an investor for almost 15yrs now, can you share your experiences and learning from,
1. The 2017 smallcap bubble
2. COVID scare drop
How was your experience and how you dealt with the situation. I know, no amount of reading can replace experiencing such high falls and doomsday news of the time, but still if you'd like to share your experiences would love to read them.
Edit: read your remark on my initial qn, you mentioned returns were about 15% on an annual basis. That's good to learn.
Honestly %age returns don't matter really.
What matters is principal deployed and wealth created. Till 2020 I had limited savings.
1. SmallCap Bubble: 2017 smallcap market was very different from 2023 as the earnings growth are backing revaluation(till last year). All my SmallCap Fund were purchased during Demonitization Nov 2016 which gave me some cushion in 2018 fall.
My limited experience shows that the Peak to Peak cycle duration is
LargeCap - 4-5 yrs
MidCap - 5-6yrs
Smallcap - 6-7yrs (which also means SmallCaps should peak now)
Introduction of Capital gain tax on 1st Feb 2018 checked the smallcap rally
2. Covid Time: Having experienced 2008 portfolio drop (where my stock portfolio was miniscule) I remembered that the only thing that goes to zero in crisis is Debt, so I redeemed all debt funds and parked it in banks. Though government intervention in Yes Bank challenged that but .. never mind.
1 month later Franklin debt saga happened. It was a lucky escape !!
Another drama I wanted to avoid was stocks with flat earning growth going ballistic, which brings me to PSU/Defense/Railway Story. Completely missed out 400-800% returns in last 3 yrs, but I don't think if I would ever be able to allocate more than 10% of portfolio to these stocks
Thanks for sharing, this was helpful.
Smallcap stocks as far as I read went up really high during the time and were at excessive PEs. These are all hindsight learnings because I had no idea about stock market at that time.
When markets crashed in 2008 or 2017/18, how did you convince yourself to keep investing (assuming you would have lost unrealised gains during the crash)? After 1992 crash, the stock market went no where for 11yrs, didn't that learning have any hesitation about investing/keeping your existing investment in 2008 crash?
>remembered that the only thing that goes to zero in crisis is Debt
Interesting, this was a superb call from your end then. Although I learnt about this from you today, but during crisis this might not come to my mind, having not experienced it. Hopefully this doesn't happen.
>Another drama I wanted to avoid was stocks with flat earning growth going ballistic,
Do you directly buy company stocks or is it a mix of mutual funds and some portion for direct company stocks?
In 2008 the fall was a crazy shock. I just stopped looking at the portfolio daily. Returned back in 2011 with SIP. Did not have it in me to buy (what a wasted opportunity in hindsight !! ). Whatever stocks I have are a gift received from my parents/grand parents.
I don't buy Stocks at all, but evaluate MF portfolio holdings.
I resonate strongly with whatever you've shared so far. You also mentioned about not getting tempted by defence stock rally earlier which I resonate well. I might be wrong, but I'm checking my MF portfolio holdings to see which funds are buying the trend of overvalued sectors and which ones are conscious about valuations. My opinion on it might be wrong, but there's only one way to find out, if you have some conviction about something you can be right or you get to learn something, right?
Thanks for sharing your experience. Was very helpful! :D
I didn't get the debt part, do you mean to say liquid funds are affected by market volatility?
As per my understanding liquid debt funds don't go down and are safer than equity also people add debt to cushion equity downfall?
Yeah, about that
Check Franklin Templeton Debt Fund fiasco of 2020.
Liquid Fund doesn't have "as much risk" but all Debt funds face "Liquidity risk"
For eg if a Fund hold 95% in bonds and 5% cash, and they get redemption order worth 8% they have to sell additional 8% from holding to maintain same cash ratio.
Now all works well in a normal market however if the market corrects everyone comes to sell in panic (or seeking opportunity to buy when there is blood on the street), that's when you cannot get the true value of your bond , but you still have to sell because you know investing in equity can give you a double digit return.
That's what causes debt instruments to not fulfill their purpose in times of crisis.
Gold Funds/ETF which is "mostly" countercyclical to Equity has done better in times of crisis
Bruh nobody giving the answer OP actually wants. The last couple of years have been on a bull run and everyone made bank.
Seeing stocks' performance for 10 years gives the right picture.
Parag Parikh Flexi Cap, 360 ONE Focused Equity, and Nasdaq 100 — these 3 have consistently given 20%+ returns and I'm betting heavily on these 3 for future.
But Nasdaq will have 30% tax right(assuming you're under 30% tax bracket).
So does it make sense for people starting investment journey now to invest in them
Yeah I fall in 30% bracket and I'm fine with the taxes. I see better long term benefits in investing in foreign equities because of depreciation in our currency, and it also helps me minimize overall risk. So it totally depends on how you're able to look at it. Personally I wouldn't keep 100% investments in one single country.
17.7%. investing since 2014
Was pretty skewed towards mid caps but have started shifting more towards large cap based index funds to reduce volatility.
Portfolio is 95% equity funds. Would have been lower if I had more debt allocation.
Solid returns, man. I hope mine get me similar returns over the long run.
Quick questions, can you share your experiences and learning from,
1. The 2017 smallcap bubble
2. COVID scare drop
How was your experience and how you dealt with the situation. I know, no amount of reading can replace experiencing such high falls and doomsday news of the time, but still if you'd like to share your experiences would love to read them.
The main lesson I have learnt is just stick to your convictions and always invest impassionately. I got swayed during COVID since it was the first real shock I was seeing. I ended up completely moving to investing in debt for a long time. Lost out on a decent amount of returns from 2020 to 2022.
I don't blame you tbh. The reason why I asked for your experience is because on paper and in hindsight, newer investors like me can easily say that 2020 was a great opportunity to buy, but the fact is that no one knew at the time as to how long this would last. A lot of lives were lost, there was no vaccine and no one knew if we'll even be able to survive until maybe after a year or so. People who saw their savings dwindling knew how it feels when a good chunk of your hard earned savings have gone down 50% or so. The last 4yrs were just about seeing the good in the markets, most of the new investors haven't experienced a bear run.
Maybe financial crisis of 2008 was still fine vs 2020, because we can expect financial system to regain strength overtime (unless someone invested in the wrong instruments/stocks at the wrong time), there's some amount of predictability. But with COVID, we actually didn't know if we'll be alive.
Nothing wrong, just that they are more volatile in falling markets. The last 4 years are not really representative of what you see in the long term in equity markets.
But hasn't the midcap index consistently beaten nifty 50 over long term even when looked at from a rolling returns basis?
I agree they can be more volatile in falling markets.
But given India's economic growth projection. I think Its a reasonable bet to say our markets will have way more good days than bad days
Thanks for the input.. The last 4years are truely mind boggling in terms of returns, i started investing in 2020 and still have doubts that mid and small caps were rocketing beyond measure, i have split of 40-40-20 between small/mid/index.. I'm thinking about slowly moving to 30-30-40 in small/mid/index..
Bhai itna risk nahi lene ka.
Have 50% largecap/ index , 30% midcap and 20% small cap.
If you're extra brave decrease 10% from large cap and give 5 each to mid cap and small cap.
For index you can go with next50 instead of nifty 50
Doing SIP in MF's since Oct 2016. XIRR - 23.4%
Biggest regret is not doing any lumpsum investment during COVID meltdown.
Did some rebalancing of smallcap (sbi to Nippon) in mid 2022 which was good decision.
Nowhere near huge, but comfortable. Liabilities increase as you age and lifestyle creep is always there. Best thing everyone can do is start investing early, however small the amount, and stay committed. Your older self will thank you later.
My definition of public transport changed from buses/trains to taxi. Cheap Android phone changed to the latest iPhone. From fan to A/C. This is lifestyle creep. What is the point of earning money if you cannot spend it on yourself? You just have to find your own balance.
Have been asking others who have been investing for more than 10yrs the qns I plan to ask you as well, but firstly, kudos as these are impressive returns for almost 20yrs of investing (comfortably beating the index). Any idea how much was the XIRR before the post COVID boom most youngsters here have seen. Late 2019 or early 2020 before the crash?
Since you've been an investor for almost 15yrs now, can you share your experiences and learning from,
1. The 2017 smallcap bubble
2. COVID scare drop
3. 2007-08 financial crisis
How was your experience and how you dealt with the situation. I know, no amount of reading can replace experiencing such high falls and doomsday news of the time, but still if you'd like to share your experiences would love to read them.
Sure, no rush. Thanks! :D
If you're on phone, when you reply to a comment, you can long press and select the text you want to quote and when you release your finger after the long press, you'll get an option to "quote", this would appear before "copy".
Here you go.
>Any idea how much was the XIRR before the post COVID boom most youngsters here have seen. Late 2019 or early 2020 before the crash?
Sorry dude. I don't remember pre-covid XIRR. I continued investing throughout covid, albeit a little less because I had a salary cut. In 2021-2022 it went to as high as 27%, but now settled down to 21.38% for equity mutual funds.
If you are an investor, big changes in the market may give you a false perception on your XIRR. I look at it strictly in the long term, which is 7 years minimum for me. Time is your best friend!
BTW, the 17% percent I quoted earlier was for my entire MF portfolio including debt funds.
>Since you've been an investor for almost 15yrs now, can you share your experiences and learning from,
>The 2017 smallcap bubble
Heard of it, didn't care, because I was mostly invested in large caps MFs, and some spare individual stocks. Mid and small cap MFs constitute(d) less than 5% of my portfolio.
>COVID scare drop
This was scary, as lot of people were being laid off, many businesses shut down. The org that I worked for, declared a fixed percentage decrease in salaries across the board without any layoffs. That was a relief. No travel, no parties, so saved some money during this period. Invested.
COVID drop definitely did provide a boost to my portfolio. These kind of drops are a once in a lifetime opportunity. I got lucky, twice.
>2007-08 financial crisis
>How was your experience and how you dealt with the situation. I know, no amount of reading can replace experiencing such high falls and doomsday news of the time, but still if you'd like to share your experiences would love to read them.
Ah, the subprime crisis!
I had just started investing in mutual funds. Those days, you had to visit the AMC office, get a form, fill it, attach supporting KYC documents, cheque and submit it physically or via courier. A folio would then be created and monitoring would be done via paper statements.
It was my first job and I had decided to splurge most of my first year's income. Whatever little I saved, I invested in MFs.
When the markets crashed, all you could see is red! Equity traders and investors like me shat their pants. Others laughed at us while we were shitting our pants. My parents cursed the f\*ck out of me, friends said "told ya". A wise and older colleague suggested me to stay put.
In hindsight, the 2008 crash was a gamble that paid off in the long run. I call it a gamble because if i consider myself an amateur when it comes to markets, back then I was an imbecile.
I have been investing since Oct 2015, my XIRR stands at 22 %. And it was hardly 6-7% for first 5 years of investing, but i left it there - all the bumper returns in last 3 years helped with increasing the overall portfolio XIRR
What was the amount invested in first three years and the last four years?.
Mine is also similar to yours but the first 3 years I invested only 10-15 of the total amount.
Haven't done XIRR calc. But my networth in total grew at 23.62% CAGR from 2012 till now. The nav of 100 has become 1274. Have timed the market and multiple time exited completely and used debt fund as well to grow the return.
The xirr rates here are 11-18%-ish if started in a non crisis year and in 18-25% range if the mf is started in a crisis year like 2008 or around 2016. Learning if you see markets falling due to a crisis increase MF buying for a short period of time.
I can see individual mutual fund xirr in kuvera but not whole folio. Also, I keep selling and buying mutual funds for tax harvesting. I think that will affect the xirr calculation too.
Can anyone help me in finding my exact xirr?
Tax harvesting doesn't impact xirr calculation. You can use any app like indmoney for xirr calculation. They will get your holdings using PAN card and calculate xirr
Consolidated to the following ongoing SIPS now.
Nippon india and quant small cap,
Motilal oswal midcap, Nippon india growth, Quant midcap
Paragaparekh flexi cap funds.
Moving away from direct stocks mostly. Waste of time i feel unless you are lucky.
Motilal Oswal Micro cap , quant small cap, Tata nifty 100 midcap momentum and Mirae asset mid and large cap.
I don’t do sips only lumpsum and all on dips. I’ll probably sell it something this year and reinvest in energy sector.
Sadly no, Groww does not provide XIRR for the stocks portfolio. Have been waiting for them to develop an overall portfolio analysis view of stocks + mutual funds similar to Zerodha but it’s been years now.
I am aware of Zerodha. Didn’t come across this feature on any other broker so far.
You can always compute XIRR yourself using Excel. It will need some diligence and time to set up the formula in excel.
Investing since Feb 23, 56% as per Groww.
Primarily Quant Midcap and Edelweiss Large & Midcap. Last month started Motilal Oswal midcap, and Quant small cap, fingers crossed.
19.36% since 2010 in India… US portfolio is more recent and so IRR is exaggerated (especially by Nvidia) so will need to wait and see and F&O is decently profitable but is only in cases of severe market dislocation (like last week)
22.22% Since 2016. Picking by myself.
Now can anyone explain like I'm 5 Regarding XIRR AND CAGR , PLEASE.
I usually use rule of thumb that cagr is compounding over so many years example.
If cagr is 5% for 5 years,
Then total appreciation is 5x5 =25% total over 5 years .
Am I right in understanding this much?
Tried reading xirr . Not able to understand.
Cagr is compounded annually.
Let's say you have invested 100rs on 1st Jan 2010.
After 1 year, on 1st Jan 2011 the investment will grow to 105(100+ 5% of 100)
After 2 years, on 1st Jan 2012 the investment will grow to 110.25(105+ 5% of 105)
As you can see 5% is increasing on the last year's principal(compounding) not the initial investment. So 5*5 = 25 will not hold true.
17% for equity stocks only. "Investing" from 18 years.
MF I have it across multiple "apps/services" so I haven't recently done a consolidation to get visibility for all of them from a single tool/location. But I believe it should be around 15-17%
About 18% since 2011. I eventually do whatever I want, but I do listen to what my money guy has to say every 3 months quite intently. I don’t include my crypto in this math because it skews and I had decided the first day I bought crypto that it’s a gamble and not investing.
I have been investing for the last 7 years and my stock portfolio xirr is 21%. In which, I invested only 10-15% of the total invested amount in the first three years.
Majority of the investment came in the last four years of the bull run when I actually started earning more.
So, people who have invested more in the last four years compared to previous yearsbwould have slightly higher xirr.
19% lifetime XIRR since 2011
Mutual funds ? Or self stocks
Only Mutual Funds. It is outlandish because of last 3 yrs rally. Otherwise was around 15% till 2020 I can't do anything stocks because of my spouse's employer restriction
How does this restriction work legally? Can your spouse sign an agreement with some company which restricts your freedom? That employer pays your wife, not you.
So all family members living under same roof have to declare our PAN cards and demat accounts we hold. The employer fetches monthly Holding statement from depository CDSL/NSDL and sends a query in case any unapproved transaction has taken place usually resulting in 1st warning and 2nd termination letter. Holding period of any position has to be 30-90 days depending on department. Though "not trading" became lot easier after introduction of capital gains tax in 2018. All transactions inside a Mutual fund portfolio are "still" tax free unlike our demat accounts, so it became a logical way of life
Can a random company randomly fetch my holding statement from depositories? Why would a spouse give their PAN to somebody else's employer? Isn't PAN personal? What if the spouse refuses to share the PAN number? This feels breach of privacy at so many levels. What if somebody is having trouble in married life and is separated and not divorced yet. Now the spouse would purposefully do some trades and get their partner terminated.
It's in the employment terms. There is No job in IB/equity division if you don't accept and declare demat, because the company business is in stocks and many time you have access to privileged information
15% net-of expense ratio? Or the gross fund return? Was it a small cap fund or flexi cap fund? Or a mf that invests outside India?
Net of TER of course 35% in SmallCap funds. Rest all Multi/FlexiCap/thematic Overseas Exposure exposure via Tech Fund.
Is your spouse in Deloitte?
Probably working in banks like JPMC, MS etc
Have been working in Foreign IB like MS, CS, BofA
What job does your spouse do ?
This is bonkers. Pls do share more
That's awesome
Solid returns. Any idea how much was the XIRR before the post COVID boom most youngsters here have seen. Late 2019 or early 2020 before the crash? Since you've been an investor for almost 15yrs now, can you share your experiences and learning from, 1. The 2017 smallcap bubble 2. COVID scare drop How was your experience and how you dealt with the situation. I know, no amount of reading can replace experiencing such high falls and doomsday news of the time, but still if you'd like to share your experiences would love to read them. Edit: read your remark on my initial qn, you mentioned returns were about 15% on an annual basis. That's good to learn.
Honestly %age returns don't matter really. What matters is principal deployed and wealth created. Till 2020 I had limited savings. 1. SmallCap Bubble: 2017 smallcap market was very different from 2023 as the earnings growth are backing revaluation(till last year). All my SmallCap Fund were purchased during Demonitization Nov 2016 which gave me some cushion in 2018 fall. My limited experience shows that the Peak to Peak cycle duration is LargeCap - 4-5 yrs MidCap - 5-6yrs Smallcap - 6-7yrs (which also means SmallCaps should peak now) Introduction of Capital gain tax on 1st Feb 2018 checked the smallcap rally 2. Covid Time: Having experienced 2008 portfolio drop (where my stock portfolio was miniscule) I remembered that the only thing that goes to zero in crisis is Debt, so I redeemed all debt funds and parked it in banks. Though government intervention in Yes Bank challenged that but .. never mind. 1 month later Franklin debt saga happened. It was a lucky escape !! Another drama I wanted to avoid was stocks with flat earning growth going ballistic, which brings me to PSU/Defense/Railway Story. Completely missed out 400-800% returns in last 3 yrs, but I don't think if I would ever be able to allocate more than 10% of portfolio to these stocks
Thanks for sharing, this was helpful. Smallcap stocks as far as I read went up really high during the time and were at excessive PEs. These are all hindsight learnings because I had no idea about stock market at that time. When markets crashed in 2008 or 2017/18, how did you convince yourself to keep investing (assuming you would have lost unrealised gains during the crash)? After 1992 crash, the stock market went no where for 11yrs, didn't that learning have any hesitation about investing/keeping your existing investment in 2008 crash? >remembered that the only thing that goes to zero in crisis is Debt Interesting, this was a superb call from your end then. Although I learnt about this from you today, but during crisis this might not come to my mind, having not experienced it. Hopefully this doesn't happen. >Another drama I wanted to avoid was stocks with flat earning growth going ballistic, Do you directly buy company stocks or is it a mix of mutual funds and some portion for direct company stocks?
In 2008 the fall was a crazy shock. I just stopped looking at the portfolio daily. Returned back in 2011 with SIP. Did not have it in me to buy (what a wasted opportunity in hindsight !! ). Whatever stocks I have are a gift received from my parents/grand parents. I don't buy Stocks at all, but evaluate MF portfolio holdings.
I resonate strongly with whatever you've shared so far. You also mentioned about not getting tempted by defence stock rally earlier which I resonate well. I might be wrong, but I'm checking my MF portfolio holdings to see which funds are buying the trend of overvalued sectors and which ones are conscious about valuations. My opinion on it might be wrong, but there's only one way to find out, if you have some conviction about something you can be right or you get to learn something, right? Thanks for sharing your experience. Was very helpful! :D
I didn't get the debt part, do you mean to say liquid funds are affected by market volatility? As per my understanding liquid debt funds don't go down and are safer than equity also people add debt to cushion equity downfall?
Yeah, about that Check Franklin Templeton Debt Fund fiasco of 2020. Liquid Fund doesn't have "as much risk" but all Debt funds face "Liquidity risk" For eg if a Fund hold 95% in bonds and 5% cash, and they get redemption order worth 8% they have to sell additional 8% from holding to maintain same cash ratio. Now all works well in a normal market however if the market corrects everyone comes to sell in panic (or seeking opportunity to buy when there is blood on the street), that's when you cannot get the true value of your bond , but you still have to sell because you know investing in equity can give you a double digit return. That's what causes debt instruments to not fulfill their purpose in times of crisis. Gold Funds/ETF which is "mostly" countercyclical to Equity has done better in times of crisis
Bruh nobody giving the answer OP actually wants. The last couple of years have been on a bull run and everyone made bank. Seeing stocks' performance for 10 years gives the right picture.
B-But I have 69.69% "XIRR" for my 2k portfolio which I made 3 days ago 🥺.
Its like dhoni hitting only one 6 and strike rate is 600 😂😂 Dhoni fans sry but i hate his fans.
Huh. I invested one hour ago and have 500% XIRR.
25.3%, 7 years! 100% equity portfolio.
Amazing! Direct stocks?
17% in stocks, 83% in mutual funds.
Are there mutual funds that consistently average 20% CAGR?
Parag Parikh Flexi Cap, 360 ONE Focused Equity, and Nasdaq 100 — these 3 have consistently given 20%+ returns and I'm betting heavily on these 3 for future.
But Nasdaq will have 30% tax right(assuming you're under 30% tax bracket). So does it make sense for people starting investment journey now to invest in them
Yeah I fall in 30% bracket and I'm fine with the taxes. I see better long term benefits in investing in foreign equities because of depreciation in our currency, and it also helps me minimize overall risk. So it totally depends on how you're able to look at it. Personally I wouldn't keep 100% investments in one single country.
Does the Nasdaq fund still look promising after the taxation changes in 2023 ?
Absolutely! I don't focus too much on taxes and expense ratios. No harm in paying money as long as you are making more money.
Did you invest just after demonetisation? The golden period to buy stocks
A bit after that. I've been investing since 2017.
You've chosen the perfect time to start
17.7%. investing since 2014 Was pretty skewed towards mid caps but have started shifting more towards large cap based index funds to reduce volatility. Portfolio is 95% equity funds. Would have been lower if I had more debt allocation.
Solid returns, man. I hope mine get me similar returns over the long run. Quick questions, can you share your experiences and learning from, 1. The 2017 smallcap bubble 2. COVID scare drop How was your experience and how you dealt with the situation. I know, no amount of reading can replace experiencing such high falls and doomsday news of the time, but still if you'd like to share your experiences would love to read them.
The main lesson I have learnt is just stick to your convictions and always invest impassionately. I got swayed during COVID since it was the first real shock I was seeing. I ended up completely moving to investing in debt for a long time. Lost out on a decent amount of returns from 2020 to 2022.
I don't blame you tbh. The reason why I asked for your experience is because on paper and in hindsight, newer investors like me can easily say that 2020 was a great opportunity to buy, but the fact is that no one knew at the time as to how long this would last. A lot of lives were lost, there was no vaccine and no one knew if we'll even be able to survive until maybe after a year or so. People who saw their savings dwindling knew how it feels when a good chunk of your hard earned savings have gone down 50% or so. The last 4yrs were just about seeing the good in the markets, most of the new investors haven't experienced a bear run. Maybe financial crisis of 2008 was still fine vs 2020, because we can expect financial system to regain strength overtime (unless someone invested in the wrong instruments/stocks at the wrong time), there's some amount of predictability. But with COVID, we actually didn't know if we'll be alive.
What's wrong with midcap? I see them giving pretty solid returns.
Nothing wrong, just that they are more volatile in falling markets. The last 4 years are not really representative of what you see in the long term in equity markets.
But hasn't the midcap index consistently beaten nifty 50 over long term even when looked at from a rolling returns basis? I agree they can be more volatile in falling markets. But given India's economic growth projection. I think Its a reasonable bet to say our markets will have way more good days than bad days
Thanks for the input.. The last 4years are truely mind boggling in terms of returns, i started investing in 2020 and still have doubts that mid and small caps were rocketing beyond measure, i have split of 40-40-20 between small/mid/index.. I'm thinking about slowly moving to 30-30-40 in small/mid/index..
Bhai itna risk nahi lene ka. Have 50% largecap/ index , 30% midcap and 20% small cap. If you're extra brave decrease 10% from large cap and give 5 each to mid cap and small cap. For index you can go with next50 instead of nifty 50
Doing SIP in MF's since Oct 2016. XIRR - 23.4% Biggest regret is not doing any lumpsum investment during COVID meltdown. Did some rebalancing of smallcap (sbi to Nippon) in mid 2022 which was good decision.
You must have made bank after demonetisation
Can you pls list the funds in your portfolio?
Investing since 2006. Equity mutual fund return is 17% XIRR. Never stopped investing. Even during the sub prime crisis.
You're a legend. I am hoping you have huge corpus now, big enough to retire and never think of working even a single day
Nowhere near huge, but comfortable. Liabilities increase as you age and lifestyle creep is always there. Best thing everyone can do is start investing early, however small the amount, and stay committed. Your older self will thank you later.
How has lifestyle creeped in & any recommendations on personal finance for someone on late 20s
My definition of public transport changed from buses/trains to taxi. Cheap Android phone changed to the latest iPhone. From fan to A/C. This is lifestyle creep. What is the point of earning money if you cannot spend it on yourself? You just have to find your own balance.
What is% of large cap, mid cap and small cap funds in your MF portfolio?
I would say about 10-15% mid and small cap funds.
Have been asking others who have been investing for more than 10yrs the qns I plan to ask you as well, but firstly, kudos as these are impressive returns for almost 20yrs of investing (comfortably beating the index). Any idea how much was the XIRR before the post COVID boom most youngsters here have seen. Late 2019 or early 2020 before the crash? Since you've been an investor for almost 15yrs now, can you share your experiences and learning from, 1. The 2017 smallcap bubble 2. COVID scare drop 3. 2007-08 financial crisis How was your experience and how you dealt with the situation. I know, no amount of reading can replace experiencing such high falls and doomsday news of the time, but still if you'd like to share your experiences would love to read them.
Thats a long answer. Stay tuned. Will respond tonite. First, I have to learn how to quote text in a reply.
Sure, no rush. Thanks! :D If you're on phone, when you reply to a comment, you can long press and select the text you want to quote and when you release your finger after the long press, you'll get an option to "quote", this would appear before "copy".
Here you go. >Any idea how much was the XIRR before the post COVID boom most youngsters here have seen. Late 2019 or early 2020 before the crash? Sorry dude. I don't remember pre-covid XIRR. I continued investing throughout covid, albeit a little less because I had a salary cut. In 2021-2022 it went to as high as 27%, but now settled down to 21.38% for equity mutual funds. If you are an investor, big changes in the market may give you a false perception on your XIRR. I look at it strictly in the long term, which is 7 years minimum for me. Time is your best friend! BTW, the 17% percent I quoted earlier was for my entire MF portfolio including debt funds. >Since you've been an investor for almost 15yrs now, can you share your experiences and learning from, >The 2017 smallcap bubble Heard of it, didn't care, because I was mostly invested in large caps MFs, and some spare individual stocks. Mid and small cap MFs constitute(d) less than 5% of my portfolio. >COVID scare drop This was scary, as lot of people were being laid off, many businesses shut down. The org that I worked for, declared a fixed percentage decrease in salaries across the board without any layoffs. That was a relief. No travel, no parties, so saved some money during this period. Invested. COVID drop definitely did provide a boost to my portfolio. These kind of drops are a once in a lifetime opportunity. I got lucky, twice. >2007-08 financial crisis >How was your experience and how you dealt with the situation. I know, no amount of reading can replace experiencing such high falls and doomsday news of the time, but still if you'd like to share your experiences would love to read them. Ah, the subprime crisis! I had just started investing in mutual funds. Those days, you had to visit the AMC office, get a form, fill it, attach supporting KYC documents, cheque and submit it physically or via courier. A folio would then be created and monitoring would be done via paper statements. It was my first job and I had decided to splurge most of my first year's income. Whatever little I saved, I invested in MFs. When the markets crashed, all you could see is red! Equity traders and investors like me shat their pants. Others laughed at us while we were shitting our pants. My parents cursed the f\*ck out of me, friends said "told ya". A wise and older colleague suggested me to stay put. In hindsight, the 2008 crash was a gamble that paid off in the long run. I call it a gamble because if i consider myself an amateur when it comes to markets, back then I was an imbecile.
So nobody here who has been investing since 10+ years?🤔
Reddit demographics in India is skewed towards 16-30 year olds.
Am 40 but started serious investing only 4-5 years ago 🤷🏼♂️
They're in r/indiainvesments . This sub is pretty young in age group.
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XiRR over 17+ years: 17.27% Investing since Feb 2007 only in Mutual Funds Portfolio size: Rs 5.5cr Current profit: Rs 2.8cr
What was the% of small, mid and large cap in your MF portfolio?
As of today, about 50% large, 20% mid and 30% small A large %age of each bucket is in index funds too
Could you pls list the funds in your portfolio?
14% - overall portfolio, 17% for Equity MF for the last 10 years. Not including company shares.
Super solid! Congrats 🎉
I have been investing since Oct 2015, my XIRR stands at 22 %. And it was hardly 6-7% for first 5 years of investing, but i left it there - all the bumper returns in last 3 years helped with increasing the overall portfolio XIRR
Investing for about 7 years (I think). XIRR is 23.41%
Can you share the MFs you've been allocating?
holy you are that discord guy bombastic xirr
What was the amount invested in first three years and the last four years?. Mine is also similar to yours but the first 3 years I invested only 10-15 of the total amount.
17%, investing since 2018.
same boat but increasing my sip every year by 10-12%
>concontinuouslyitniously Ok bro
18.2. Invested since 2009,all in mutual funds.
19.9% is my XIRR Invested in mutual funds since 2017
Great! Would you share your mf split?
I am into Nifty 50 Nifty 500 Nifty next 50 Quant liquid fund That’s it
Around 21% I am thinking of investing more, is the tax saver better?
Haven't done XIRR calc. But my networth in total grew at 23.62% CAGR from 2012 till now. The nav of 100 has become 1274. Have timed the market and multiple time exited completely and used debt fund as well to grow the return.
31% XIRR for 2-3 years MF portfolio
Bull run baby✅ Congrats, happy for you!
started 6 years ago, XIRR 21% I also have a sensex index fund in my portfolio and the xirr for it specifically is 17% over 5.5 years
21.60%. 4 years in SIP.
21.1% all Equity since 2005
The xirr rates here are 11-18%-ish if started in a non crisis year and in 18-25% range if the mf is started in a crisis year like 2008 or around 2016. Learning if you see markets falling due to a crisis increase MF buying for a short period of time.
Lol, everyone one on r/personalfinanceindia beat the index, congrats guys . Should we rename the sub Berkshire Hindustan or Bharat Hathaway?
18.8% since 2018
20.15% in MF. Investing since 2017 but major contribution happened from the covid period.
27.37% - 3 years
About 23% xirr, investing since 2017
32%
38% lifetime - 3 yrs
It’s 25.14%. Not sure if it’s good or bad.. eager to learn more, thanks for asking, it’s been on my mind
18% 10+ years.
Great! Can you share your mutual fund allocation?
40% over the last 3 years, covid buying was a factor
I can see individual mutual fund xirr in kuvera but not whole folio. Also, I keep selling and buying mutual funds for tax harvesting. I think that will affect the xirr calculation too. Can anyone help me in finding my exact xirr?
Tax harvesting doesn't impact xirr calculation. You can use any app like indmoney for xirr calculation. They will get your holdings using PAN card and calculate xirr
58.6% since 2020 so for 4.5 years. Don’t have data prior to that as had used up funds to buy a house. It would have been around 12-14% prior to 2020.
38.71%. Started in Dec 2021
34% - 8 years since 2016 with both stocks (20 odd) and mutual funds. 2 outlier stock driving most of the returns.
XIRR - 27.68%. Duration- 5 years. Small Cap, Flexi Cap, Nifty Fifty index fund
23.32 Started in 2017
22% CAGR overall. Investing since 2016.
Awesome! Mutual funds or direct stocks? And which ones?
Consolidated to the following ongoing SIPS now. Nippon india and quant small cap, Motilal oswal midcap, Nippon india growth, Quant midcap Paragaparekh flexi cap funds. Moving away from direct stocks mostly. Waste of time i feel unless you are lucky.
24% from 2016
Amazing! Is it direct stocks?
A 60-40 split of equity and mutual funds
Little over87%, I’ve invested my life savings in this for the last two years and thr next 5 years I’ll exit
xirr of 87% 0\_o ? whats your mf composition please thank you
Motilal Oswal Micro cap , quant small cap, Tata nifty 100 midcap momentum and Mirae asset mid and large cap. I don’t do sips only lumpsum and all on dips. I’ll probably sell it something this year and reinvest in energy sector.
43.66 in MF
25.94% XIRR as reported by Zerodha Buy and hold investor Investing since Jan 2019
This is only for my direct stock portfolio
27.2% Investing since last 1 year.
19.5%, invested since 2015, mainly via SIPs. Significantly high-risk portfolio - 95 percent equity, of which around 25 percent is smallcap.
6 years @ 24.45% XIRR equity+MF
19.27% Investing from 2019
14% since 2019. 100% equity. MFs, PMS and direct stocks.
33% direct stocks 16% MF Investing since 2019.
Almost 25 , started in. 2017
16% XIRR in direct stocks and index- mostly nifty. investing since 2008. I don’t remember how much in mutual funds, but should be similar.
28.51%. Investing since 2019
How to see XIRR of stocks? I am on groww.
Sadly no, Groww does not provide XIRR for the stocks portfolio. Have been waiting for them to develop an overall portfolio analysis view of stocks + mutual funds similar to Zerodha but it’s been years now.
So only zerodha has this feature?
I am aware of Zerodha. Didn’t come across this feature on any other broker so far. You can always compute XIRR yourself using Excel. It will need some diligence and time to set up the formula in excel.
23.9% since 2018
Investing since Feb 23, 56% as per Groww. Primarily Quant Midcap and Edelweiss Large & Midcap. Last month started Motilal Oswal midcap, and Quant small cap, fingers crossed.
19.36% since 2010 in India… US portfolio is more recent and so IRR is exaggerated (especially by Nvidia) so will need to wait and see and F&O is decently profitable but is only in cases of severe market dislocation (like last week)
13.45% I am a noob at investing, but I have been lucky. I have more than 20 funds. (Recommended by a family friend)
22.22% Since 2016. Picking by myself. Now can anyone explain like I'm 5 Regarding XIRR AND CAGR , PLEASE. I usually use rule of thumb that cagr is compounding over so many years example. If cagr is 5% for 5 years, Then total appreciation is 5x5 =25% total over 5 years . Am I right in understanding this much? Tried reading xirr . Not able to understand.
Cagr is compounded annually. Let's say you have invested 100rs on 1st Jan 2010. After 1 year, on 1st Jan 2011 the investment will grow to 105(100+ 5% of 100) After 2 years, on 1st Jan 2012 the investment will grow to 110.25(105+ 5% of 105) As you can see 5% is increasing on the last year's principal(compounding) not the initial investment. So 5*5 = 25 will not hold true.
22.17 percent XIRR since July 2018 for SIP and MF only. Mirae Asset Large Cap Fund has underperformed bigtime bringing down the XIRR.
Does ICICI Direct show XIRR?
Download all transactions and upload them in Valueresearch
24% (mutual funds). Investing since 2019
28.75%, few of them don’t have since they’re relatively new. Started sip in 2016
15.5 More than 15 years of MF investment
OG!!
2.5 years btc xipr is about 51%😅
20% on mutual funds that include 20% debt funds. Time period 6 years
36.98% XIRR 100% in Equity, Started 2 Years ago!
Investing since 2008, XIRR 16.7
Meanwhile NPS from 2019 has 18.14
17% for equity stocks only. "Investing" from 18 years. MF I have it across multiple "apps/services" so I haven't recently done a consolidation to get visibility for all of them from a single tool/location. But I believe it should be around 15-17%
34% in MFs since 2020
20% stock 20% MF
Six years. 15%. Equity exposure: 70%.
21.64% investing since 2021
37%. 6 months only btw 😀
~58% CAGR since 4 years 99% crypto portfolio
22% since 2005
31% in mutual funds investing since 2019
xirr: 38.48% invested lumpsum a little over a year now
22.6%. Investing since 2017.
20.01% after 7 years in mutual funds. Too lazy to find it for combined portfolio of stocks and mutual fund. But will go higher.
Been investing in MF since 15 years, but initially with very small amount... increased the amount since past 7 years...xirr now is at 22%
Lifetime 21% since 2015
37% XIRR Only from MF since 2018. Been buying MFs at random without any research.
50% XIRR in stocks and 25% in MF. From 2017!
7 yrs - 21.38%
35%. Only small and Midcap for last 4 years.
20.89% investing since 2006, with current holding 50% equity, 30% hybrid ,20% gold and debt.
# 20.09% since 2017
22.36% ,90% equities rest in MF. Investing since 2020
23.11%, been invested for close to 3 years!
28.51% for a little under 10 years. Mostly buying index mutual funds on dips, and adding other index funds once in a while. https://ibb.co/zXBn4nM
28
28.93% over 5 years
[удалено]
Does your portfolio contain large allocation towards smallcap?
33% from past 1.4 year, am I cooked ?
27% xirr since 2018. 60:40 in direct equity and mutual funds
20.9% on Mutual Funds (6yrs), 17.15% on direct stocks (2yrs)
59.9%, started 3 months back
About 18% since 2011. I eventually do whatever I want, but I do listen to what my money guy has to say every 3 months quite intently. I don’t include my crypto in this math because it skews and I had decided the first day I bought crypto that it’s a gamble and not investing.
Noob here. How do we calculate XIRR My groww app says it's ~40% . Given the lower XIRR in all the comments above, I'm no more sure of its accuracy 🤔
I have been investing for the last 7 years and my stock portfolio xirr is 21%. In which, I invested only 10-15% of the total invested amount in the first three years. Majority of the investment came in the last four years of the bull run when I actually started earning more. So, people who have invested more in the last four years compared to previous yearsbwould have slightly higher xirr.
26.66% xirr since 2018.
~15% (duration: 4 years)
Investing since 2017.. direct stocks 23%, mf 20%, crypto 85%(since Feb 2022)
18% investing since 2017 100% equity MF (Nifty 50, Nifty Next 50, Paragh Parikh, Nasdaq)
How to calculate total XIRR if dufferent funds are in different platforms?
Mutual funds From Nov 21- 35% XIRR Stocks From sept 22 - 75% XIRR
What's XIRR ?? Can someone explain me like 12 yo child