Building a retirement corpus of 4.2 Crs in 20 years - OMG! Not possible Bro. How can you even think of achieving such huge corpus?
Buying a house for 1.5 Cr @ 9% Home Loan Interest - Possible bro. We can pay through EMIs
The former requires a monthly SIP of 32K, the later requires an monthly EMI of 1.07 Lakhs!
"You don't get results by focusing on results. You get results by focusing on the HABITS and BEHAVIORS that produce results"
Please take help from an advisor instead of asking such random advise on SM Platform. Dont mistake for quoting this. Investment isnt just fund selection, generic advise. It has to be personalized & the strategy should be customized according to an individual. "Personal" Finance is more personal
@RajkumarPR8 I want to do an STP of Rs.3 lakh from SBI Short Term Debt Fund D-G to SBI Focused Fund D-G. Pl given the current mkt condition,for how long and how much STP should I do so that I get good growth from the equity fund. No need money for next 5 yrs. Today 30.5.2026
@RajkumarPR8 Those who understand long-term investing know these hiccups are speed breakers. They slow you down for a moment, but you reach the destination if you keep riding.
What could have been the 10 year SIP returns (Across Large, Mid, Smallcap) at the COVID bottom?
Why are we checking at this level?
One of the worst 10 periods. Largecap fell 38%, Midcap - 39%, Smallcap - 44%
SMID (Small & Mid) is often considered as the most risky category in MF space. People fail to understand that risk reduces drastically over long term.
During COVID, Markets fell badly. Largecaps fell 38%, Midcap-39%, Smallcap-44%
Despite SMID falling more than largecaps during COVID, A quick look at the 10 yr return across Large/Mid/Smallcap category at the bottom of COVID shows SMID category has done better than Largecaps at the COVID bottom.
This is the journey of a smallcap fund from 2007 to 2026. A closer look reveals more insights
During COVID, this fund fell 50% from its peak. Return (from 2007) at that fall (Mar 2020) was still 11% CAGR
2024 Sep to 2025 Mar - The fund fell 24%. Return from 2007 at Mar 2025 was 17% CAGR
A 25% Fall has reduced the CAGR from 19% to 17% only. And we still feel smallcaps are risky!
@nishant13337 2 reasons
It's an inception date of one of the oldest smallcap schemes
It is also before a major crash in 2008. A major crash immediately after the launch is such a bad scenario so that recovery takes more time.
20 funds which gave the least returns in the last 10 year period
Let us discuss the worst returns also 😀
Surprisingly - MNC Funds which used to do well in the past have gone very bad in long term returns!
Wealth is not solely determined by the return on investments; it is significantly influenced by discipline. This includes making regular investments and holding onto them during turbulent times.
Many individuals tend to concentrate on returns while neglecting the discipline aspect. Instead of fixating on returns, it is essential to focus on the amount invested.
The larger the investment, even modest returns can contribute to substantial growth in your corpus. Control the controllables.
1L invested in a smallcap scheme has become 20L over 19 yrs @ 17% CAGR!
The journey has not been smooth. In the 19 yrs, the fund crashed 75% (2008), 50% (2018), 34% (2010), 25% (2013), 24% (2024) & on many other occasions more than 10%
Yet, over the long term - it has delivered phenomenal returns. NAV of 10 becoming 200+
Here is the illustration of the investment journey of 1L in @dspmf smallcap fund over 19yrs. 1L coming down to 45K only to recover & become 20L in 19 yrs.
The returns column refer to the returns at various points since inception (Absolute for less than 1 yr, CAGR for period more than 1 yr). Beyond 5 yrs, CAGR has been above 11% despite crashes. Patience is the key.
NAV fell from 10 to 4, 18 to 13, 70 to 37. Jumped again from 37 to 71 in just 9 months.
@KalpenParekh@SahilKapoor
Disc - Not a recommendation. Consult your advisor.
Mkt fall is a feature of equity investing. Everytime, reason may be diff but the fear persists abt recovery
Data of the crashes over last 15yrs prove every crash has recovery over time
Here is the data with 2 scenarios. One @ bottom & other @ peak. Peak or bottom - Time heals!
Conversation b/w me & my investor today 🙂
He - Are we at the bottom?
Me - Yes!
He - How are you so sure?
Me - When would u need the money?
He - Not for the next 10 years
Me - No doubt, this is definitely a bottom for the next 10 yrs! 😎😎
Courtesy - @ValueResearch@dhirendra_vr
Disciplined investment for 18 yrs. You will see the magic only around 11th yr
If u r patient to continue this discipline for a decade by ignoring mkt noise, nothing can stop you from reaching goals. Unfortunately, only few hv this skill
Nifty Smallcap fell 26% from Sep'24 to Mar'25 over 112 trading sessions. Over the last month, it gained 15% thru 20 trading sessions.
Takeaway - For long term goals, mkt volatility should not be a concern. Recoveries can occur swiftly, & selling in a panic does not contribute to wealth creation.
Smallcaps were brutally hit during the mkt fall from Sep 2024 to Mar 2025 (6 months)
Benchmark fell by 25%, Smallcap MF category fell by an avg of 23%
Over 6 months, the fall was 25%
Now in the last 1 month, it is up by 15%
Mkt recovers quickly when things get better