Started working in 2023. Took me till Feb 2025 to actually start investing.
Now I'm putting 30k into SIPs every month. The goal sounds a little crazy typing it out - 50Cr over 30 years
Plan is to step up the amount every year as my income grows.
Gonna document the whole ride here, wins and dips both. What's your SIP story?
#SIP #MutualFunds #PersonalFinance #InvestingIndia #FinTwit
โน1 lakh in the Nifty from 2000 to 2020, left untouched, became โน7.47 lakh.
Miss just the 10 best days out of nearly 5,000, and you end with โน3.52 lakh. Barely half.
Miss the 40 best days and you end up with less than you put in.
Here's the trap: 8 of those 10 best days happened within two weeks of a worst day. 6 were inside the 2008 crash. The single best day in 20 years, +17.7%, came right at the bottom in May 2009.
The best days hide next to the scariest ones. Panic sell after a crash and you miss the bounce.
Time in the market beats timing it.
#Nifty #StockMarketIndia #Investing #SIP #FinTwit
Two investors. Both put โน10,000 into the Nifty every month for 20 years.
Investor A had the worst luck imaginable: bought at the highest price every single month.
Investor B had perfect luck: bought at the lowest price every single month.
After 20 years and โน24 lakh invested:
Worst timing: โน94.7 lakh
Perfect timing: โน1.06 crore
The difference between godlike timing and terrible timing? Just 11.6%
Time in the market beats timing the market.
#SIP #Nifty #StockMarketIndia #Investing #FinTwit
Nifty 50 PE is sitting around 20 right now. 10 year average is 23.4. So we're actually below average, closer to fair valuation.
Last time PE dropped near 17 was the Covid crash. Anything close to that would be a gift.
#Nifty#StockMarketIndia#Investing#NiftyPE#FinTwit
FII selling has cooled sharply from March. July's outflow was the smallest in months this year. Is the FII money getting ready to come back, or just fewer sellers left? Worth watching whether FIIs actually turn net buyers from here.
#StockMarketIndia#FII#DII#Nifty#FinTwit
My current mutual fund portfolio ๐
Nifty LargeMidcap 250 Index โ XIRR 10.5%
Nippon India Flexi Cap โ XIRR 9.9%
HDFC Small Cap โ XIRR 11.0%
Tata Digital India โ XIRR 6.4%
HDFC Liquid โ XIRR 6.9%
Zerodha Gold ETF FoF โ XIRR 33.5%
Drop your holdings in the comments ๐
#MutualFunds #StockMarketIndia #Investing #PersonalFinance #SIP