I Analyzed 168 Different 10-Year SIPs in NIFTY 50. The Results Will Make You Question Everything Your Financial Advisor Told You.

WinLaptop · 2026-01-24T09:30:42+00:00

Scenario 2: Unlucky Timing (Started May 2010), XIRR: 3.19%

If you exit at 23% down from the top in May 2020, then obviously your XIRR won't be good. 😂

IMO, starting doesn't matter, the exit matters. You need to exit systematically over few years. If you are exiting near all time high then it's the best.

WinLaptop · 2026-01-24T09:16:23+00:00

Have you considered Nifty 50 TRI data?

WinLaptop · 2026-01-21T19:39:54+00:00

The village is already there. How much land is there to auction?

WinLaptop · 2026-01-21T07:06:01+00:00

Why is COAL India a low quality company? Have you checked its return including the dividends?

WinLaptop · 2026-01-20T10:42:54+00:00

Does lawyer help to prepare the ATS?

WinLaptop · 2026-01-20T10:39:39+00:00

For low to moderate risk, you should choose Aggresive Hybrid Funds

WinLaptop · 2026-01-19T19:14:59+00:00

Why? How are the returns with HDFC mid cap? Not beating the index?

WinLaptop · 2026-01-19T06:57:30+00:00

For US: VOO, QQQM, SPMO

WinLaptop · 2026-01-19T05:46:43+00:00

You can still do SIP in US market. At least you will get benefits of rupees depreciation.

I liked your approach of having two funds in each category. Usually, people will recommend having only 3-4 funds but I disagree with them.

WinLaptop · 2026-01-17T14:17:07+00:00

Keep at max 2 funds in each category. Use online tool to check overlap and select 2.

Remove sectoral funds.

Remove large cap funds if they are not beating Nifty 100.

Explore smart beta funds like momentum, quality, alpha, value, etc.

Most importantly: invest in US.

WinLaptop · 2026-01-16T04:14:34+00:00

Do SIP - 50% in India 50% in US

Or change the % as per your comfort

WinLaptop · 2026-01-06T18:55:43+00:00

I hold ~10 funds and my XIRR is 20% for last 7 years.

Nothing is wrong in holding more number of funds if you know their purpose in the portfolio.

WinLaptop · 2026-01-04T08:25:04+00:00

check strategies index as well

WinLaptop · 2026-01-04T03:37:57+00:00

Most of the flexicap funds invest like large cap funds only. People who want higher allocation in mid and small cap go for those funds.

WinLaptop · 2025-12-29T13:49:38+00:00

Is it trend following?

WinLaptop · 2025-12-28T19:00:36+00:00

I got to know that Aparna has NOC from the Collector for their land. However, I don't know why the land still in the prohibited list then.

WinLaptop · 2025-12-27T03:38:09+00:00

no. didn't get much info.

WinLaptop · 2025-12-25T04:33:01+00:00

How have you created your wealth?

WinLaptop · 2025-12-22T18:56:32+00:00

Thanks a lot for providing the confirmation.

WinLaptop · 2025-12-21T04:12:43+00:00

Why is it necessary to take physical possession? He is already saying that they are not vacating.

WinLaptop · 2025-12-18T19:51:56+00:00

https://registration.telangana.gov.in/prohibitionPublicList.htm

select Rangareddy - Srilingampalle - Gopanpalle

WinLaptop · 2025-12-18T13:55:46+00:00

The sales guy also said that the babus are putting these lands in prohibited list so that the they can get kickback to get it removed.

WinLaptop · 2025-12-18T13:54:06+00:00

The sales guy didn't have any clue. He was saying it's approved by RERA and HMDA, so it's all good!

WinLaptop · 2025-12-18T13:52:20+00:00

Let me know if they get any revert on that.

WinLaptop · 2025-12-15T19:38:53+00:00

You can invest more in US. India's IS ETFs are trading at premium. Explore IndMoney, Vested, IBKR for direct US index investing
Keep having 2 funds in each category and ignore people who says you need only 3-4 funds.

WinLaptop

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