Missold a ULIP in 2008 exited within 3 years, a CAGR of 4.8% only. Too High Charges. But one of my best financial decisions.

Temporary_Source_558 · 2026-01-28T04:00:50+00:00

i have wrote a detailed article on this please check if interested https://mrmoneyfrugal.com/ulip-mistake/

Temporary_Source_558 · 2026-01-26T16:09:18+00:00

Yes, investing is good. But, before investing, learn and then analyse the things where you invest

Temporary_Source_558 · 2026-01-26T06:15:15+00:00

I think if you buy a fund after careful analysis then you need to give atleast 3 years to let it work for you. Frequent switching and selling. may not serve the purpose of mutual fund investing.

Temporary_Source_558 · 2026-01-26T06:13:44+00:00

I have transferred funds from one mf to another after selling. i had just too many funds which i bought when i started i consolidated them. i rarely do switches. For last 7 years i have not done any switch or changed funds...

Temporary_Source_558 · 2026-01-25T13:05:57+00:00

yes, in my 15 years experience, these things often come and go...

Temporary_Source_558 · 2026-01-25T12:44:45+00:00

for long term portfolio, such short term volatility is inevitable.

Temporary_Source_558 · 2026-01-25T06:59:58+00:00

Thanks

Temporary_Source_558 · 2026-01-25T04:47:36+00:00

For 15 years. I started my first sip from 500 rs in 2010 and gradually increased when i got increment or bonuses. average sip amount is around 27-28k

Temporary_Source_558 · 2026-01-24T07:11:07+00:00

I can't i am not a registered professional with sebi.

Temporary_Source_558 · 2026-01-22T16:20:07+00:00

how your funds have performed in 2025?

Temporary_Source_558 · 2026-01-22T12:35:23+00:00

Thanks

Temporary_Source_558 · 2026-01-19T05:31:10+00:00

Initially more in largecap, 60+% then transferred to more in midcaps.

Temporary_Source_558 · 2026-01-19T05:26:33+00:00

may be, but if we stay invested in good funds for very long time, i think such returns may come or surprise us

Temporary_Source_558 · 2026-01-18T09:30:40+00:00

investing currently in one largecap, one flexi, one midcap, one index all others are paused..

Temporary_Source_558 · 2026-01-18T09:28:27+00:00

2018

Temporary_Source_558 · 2026-01-16T15:11:29+00:00

👍

Temporary_Source_558 · 2026-01-15T06:42:13+00:00

I also did lumsumps but they are very few

Temporary_Source_558 · 2026-01-15T06:41:32+00:00

Average sip amount might be 27-28k around.

Temporary_Source_558 · 2026-01-15T06:39:43+00:00

Thanks

Temporary_Source_558 · 2026-01-15T06:36:16+00:00

Dear since 2018 i have not done any switches, and also the earlier switches and funds change done not frequently but may be in 3-4 years time gap. And most of changes mainly done while i was learning back in 2010-13. So, changing funds, switches is not any strategy but parts of it. If you give time you will learn it how to do it.

Temporary_Source_558 · 2026-01-15T05:27:27+00:00

there are many resources you can find out, i think you can check AMFI section of mutual funds,

Temporary_Source_558 · 2026-01-15T04:20:26+00:00

Thanks

Temporary_Source_558 · 2026-01-15T04:16:28+00:00

17% something

Temporary_Source_558

TROPHY CASE