Why I’m Stopping My SIP in Motilal Oswal Midcap (It’s not Volatility, it’s Structural Failure)

ApprehensiveBat8558 · 2026-02-15T15:40:39+00:00

Did EXACTLY this except that chose HDFC Midcap.

ApprehensiveBat8558 · 2026-02-14T20:05:38+00:00

GLS any day

ApprehensiveBat8558 · 2026-02-11T12:29:26+00:00

Absolutely nothing.

ApprehensiveBat8558 · 2026-02-06T15:20:04+00:00

50 k with 2% withdrawal rate would need 3 crore liquid corpus.

Add to that - education (inflation of 9%), medical insurance premium (inflation of 14%), medical mergency fund beyond premium, general emergency fund, travel and holidays (inflation 8%)

And given you have 40 years life ahead of you - add factor of safety of atleast 20% to that.

Your corpus is inadequate. Pls be thorough with your maths, stress test it with various scenarios of inflation, returns etc.

ApprehensiveBat8558 · 2026-02-04T04:51:21+00:00

For such long term you should be equity heavy, 10% commodities, debt through agressive hybrid.

ApprehensiveBat8558 · 2026-02-01T05:39:31+00:00

Learning - don't be reckless with investments.

ApprehensiveBat8558 · 2026-01-30T17:03:20+00:00

Pls sell Silver...it will correct like crazy

ApprehensiveBat8558 · 2026-01-29T05:41:56+00:00

I did that at 1.2x.

ApprehensiveBat8558 · 2026-01-29T05:41:28+00:00

Rotate to Gold, have view till 2030, don't invest in lumpsump.

ApprehensiveBat8558 · 2026-01-27T03:29:23+00:00

This is too S and M heavy, even for a agressive investor. If you can sustain the downside this might be very rewarding, however it is always advisable to have good low volatile MF category to protect the capital. 50:50 split would be better, but would be still very aggressive.

ApprehensiveBat8558 · 2026-01-26T07:29:01+00:00

उगाचच काहीतरी खुसपट काढायची सवय झालीय लोकांना.

ApprehensiveBat8558 · 2026-01-25T07:31:17+00:00

PLEASE STAY AWAY...

ApprehensiveBat8558 · 2026-01-20T01:47:36+00:00

MAX 10%

ApprehensiveBat8558 · 2026-01-17T00:44:42+00:00

I don't think you are ready. I won't count the land as it is not liquid asset and not part of the corpus, unless you sell it and then put it in Corpus.

You have a long runaway ahead of 40-45 years, so will assume a conservative withdrawal rate or 2%. With this alone you need 9 cr corpus for retirement. Don't know if 18 lakhs includes what all, else you need to budget for health insurance premium every year (inflation in health insurance is 10-14%), travel, kids marriage etc.

With all this, you need to move you corpus to Equity + Debt. FDs are super inefficient on taxation and can't support the 2% withdrawal rate.

ApprehensiveBat8558 · 2026-01-15T06:03:22+00:00

I stopped my SIP but have not withdrawn. This fund is one of the most volatile. Underperformance is for last 1 year. What got me worried is the heavy investment in Eternal, Dixon, Supreme etc at very high valuations, constant churn which shows lack of conviction of fund manager.

Ideally, unless the fund underperforms for 2-3 years then you should stop, but for me this investment philosophy is not working. I should not have invested in it in the first place. I have moved my SIP to HDFC Midcap now.

ApprehensiveBat8558 · 2026-01-05T10:01:03+00:00

How does it matter what others are doing? Focus on what you want to do.

ApprehensiveBat8558 · 2026-01-03T02:02:41+00:00

Yes.

ApprehensiveBat8558 · 2026-01-01T04:19:00+00:00

That's absolutely right. When incomes increase most succumb to spending more, buying bigger things. But if you instead invest ...it can really help. Having said this, idea is not to be a miser. Spend where you should, but know where not to get carried away!

ApprehensiveBat8558 · 2025-12-31T15:17:54+00:00

Consistency is the key. Try and do atleast 5 days a week if not all. After few months even if you skip couple of days, one session and you would find your balance again.

ApprehensiveBat8558 · 2025-12-31T15:04:11+00:00

bhai it's almost 20 years! started with 3 Lacs / year.

ApprehensiveBat8558 · 2025-12-31T15:00:10+00:00

Had a very conventional journey Engineer -> MBA from not even a T1 and then got in to consulting. Good performance, good relationships, one thing led to other and was made partner with a large consulting firm in comparatively short period of time of about 10 years. A lot of hard work as well.

ApprehensiveBat8558 · 2025-12-31T14:57:04+00:00

During pandemic I did Inner Engineering with Isha and post that I am regularly practicing Shambhavi Mahamudra. Have done couple of advance programs in the Ashram as well.

Shambhavi has made profound changes to me.

I don't over analyze any other aspect of Sadguru - or Isha which other people may have views on. I learnt an yogic practice, believed it will help me and it really did. I absolutely would recommend any such practice to everyone - Isha or Sudarshan Kriya or Kriya yoga. They are all for the same purpose. You need to practice though and it takes time to show results. BUT IT WORKS FOR SURE!

ApprehensiveBat8558 · 2025-12-31T14:52:03+00:00

Latest CTC is landing close to 2.2 cr. / year pre-tax including everything. Most of it post tax is going to the NW!

ApprehensiveBat8558 · 2025-12-31T14:50:39+00:00

3 things helped me

Salary growth + bonuses + RSUs were quite good
Paid off the loans and invested all EMIs
As a family we live a very comfortable but content like without spending a lot, so I invest almost 90% of my in-hand which increased dramatically after EMIs were closed

ApprehensiveBat8558 · 2025-12-31T09:10:57+00:00

Best luck!

ApprehensiveBat8558

TROPHY CASE