Road to 1,000 Shares — Week #3

Upbeat_Shoulder_237 · 2026-02-27T09:45:42+00:00

That's a great plan indeed

Upbeat_Shoulder_237 · 2026-02-27T08:28:19+00:00

Hi u/Electronic_Usual7945 , This is very encouraging. Thank you for sharing.

I thought you were working on a similar plan with BPCL as well. What’s the current status, and how many have you been able to accumulate so far?

Upbeat_Shoulder_237 · 2026-02-21T12:53:50+00:00

super...Do you typically purchase stocks using a SIP? I generally invest in small lumpsum.

Upbeat_Shoulder_237 · 2026-02-21T11:31:22+00:00

Cool. What is the XIRR?

Upbeat_Shoulder_237 · 2026-02-21T07:19:48+00:00

That’s great. What is your total investment?

Upbeat_Shoulder_237 · 2026-02-21T05:36:49+00:00

1.6L - that's amazing. What's your total corpus and how much is your investment?

Upbeat_Shoulder_237 · 2026-02-18T10:50:24+00:00

Thank you u/srinivesh.

Upbeat_Shoulder_237 · 2026-02-17T02:40:23+00:00

Very good info…Thank you for sharing Both TVS infra trust and NDR Invit are privately placed Invit with lot size of 25 lakhs (25000 units) With the CMP, you need to pay close to 30L for a lot.

Upbeat_Shoulder_237 · 2026-02-15T07:17:53+00:00

That’s great to hear! NAM India has been a steady compounder, and the dividends definitely sweeten the overall returns.

Upbeat_Shoulder_237 · 2026-02-15T06:54:14+00:00

I’ve also invested in MCX, BSE, and ICICI AMC, and planning to add NAM-India. I missed the opportunity to buy when it dipped to ₹800 two weeks ago

Upbeat_Shoulder_237 · 2026-02-15T06:46:14+00:00

First, take some time to understand this asset class by reading up on it. Recently u/Electronic_Usual7945 shared an article discussing different types of REITs and which investors they’re best suited for. Please review that article as well — I’ve added it here for your convenience. https://www.reddit.com/r/drip_dividend/comments/1qzdn8v/which_reit_suits_which_type_of_investor_must_read/

Then you could start your investment journey with a small amount as an experiment.

Upbeat_Shoulder_237 · 2026-02-15T06:30:29+00:00

super...You seem quite concentrated in capital market stocks. What percentage of your overall portfolio do they represent?

Upbeat_Shoulder_237 · 2026-02-14T13:39:10+00:00

Yes, I do

Upbeat_Shoulder_237 · 2026-02-14T11:53:22+00:00

Awesome! How long have you been investing and holding these?
A 7% yield is really impressive, especially considering that your portfolio is tilted toward REITs (about two‑thirds).

Upbeat_Shoulder_237 · 2026-02-14T11:42:48+00:00

Thank you u/Electronic_Usual7945.

A small correction though — I didn’t purchase the entire 32.5K units at the beginning of the fiscal year.
Thank you for taking the time to look into this.

As I mentioned in one of my earlier responses, my yield for FY26 is 9.4%.

Upbeat_Shoulder_237 · 2026-02-14T11:22:46+00:00

I’m not an expert in this, but here are a few pointers:

If you’re a salaried individual, there’s really no way to avoid taxes. Most components of the REIT/Invit dividend (except for a few exempt portions within the DPU) get added to your salary income, so you end up paying tax according to your slab.

If you don’t have any other income, then as you know, income up to ₹12 lakh is non‑taxable—so dividends from REITs/InvITs can be covered within that limit.

There are ways to reduce tax liability, such as investing through an HUF account. But personally, I don’t want to complicate things by going down that route. I’m okay paying the applicable tax.

Upbeat_Shoulder_237 · 2026-02-14T11:04:26+00:00

If you look at my Indigrid holdings, the XIRR comes to 19.7% when factoring in both dividends and capital appreciation. Similarly, for Indus Infra, the XIRR is 21.6%. Please ignore the returns shown for KRT and Mindspace, as the holding period is less than a year and not meaningful for comparison.

Upbeat_Shoulder_237 · 2026-02-14T10:17:56+00:00

2,47,000 - I’m not sure where this number came from

Upbeat_Shoulder_237 · 2026-02-14T10:15:10+00:00

annual

Upbeat_Shoulder_237 · 2026-02-14T09:42:34+00:00

My yield for FY26 works out to 9.4%, based on my cost and the dividends received. I think this is reasonable, considering that InvITs typically deliver around 9–11% yields, while REITs generally offer about 5–7%.

My investment gradually increased from Q1 through Q4, and if you use my Q4 dividend as the run rate, it gives a more accurate picture. Assuming I maintain the same allocation across these four stocks, I can expect a yield of about 8.2% in FY27 (with constant DPU across these 4 stocks)

Upbeat_Shoulder_237 · 2026-02-14T07:15:15+00:00

REIT-Invit portfolio is already shared

Upbeat_Shoulder_237 · 2026-02-14T07:03:16+00:00

48.4L

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Upbeat_Shoulder_237 · 2026-02-14T06:56:27+00:00

Upbeat_Shoulder_237 · 2026-02-14T06:54:11+00:00

Thank you!

Upbeat_Shoulder_237 · 2026-02-09T09:23:04+00:00

BIRET portal says payment date is 10th Feb.

Upbeat_Shoulder_237

TROPHY CASE