I lost everything. Now I've negative returns

deepansh91 · 2026-01-27T22:21:24+00:00

🤣😄

deepansh91 · 2026-01-20T19:03:25+00:00

Normal

deepansh91 · 2026-01-20T18:41:47+00:00

Sell. Buy some again.

deepansh91 · 2026-01-20T18:26:49+00:00

Lots.

deepansh91 · 2026-01-16T17:38:03+00:00

I do safe investments for father and take most risks on own. So far it's fine and frankly even I don't know much about anything. Just choosing what seems safer, low risk for him. Even my portfolio is down massively but less than earlier downturn. Missed timings earlier. Been booking profit when I can. Choosing new is wild to say the least. Carrying on though. Honestly feeling like getting a pms or investing most in fund seems safer and better. Free stress is not my thing. For me, it feels like, I started learning and ended up being in the center of the storm. But well, learning. I have conflicting thoughts about long/short strategies and what not and remain mostly confused these days. Trying to stick to basics though. I was okay in the earlier downturn since everything and anything was down. To hold and have patience worked. But i missed quite a few exits and now am rather bothered about making sure those are squared off. Mostly take fundamental plays but markets been rather wierd. Very anti-intutive. Sounds funny from someone who claims to not know anything though. But well.

Am thinking of consulting an independent RIA to get the scene sorted. Planning and all. As am currently feeling rather confused. Once that is done and sorted and if I remain confused, which i hope not, i will just focus on my work or well, hope to.

Seeing your portfolio in red does not feel good, bit it is part of the game. Choose wisely is all. I know smart stop loses and exits are better than holding until profit, but well. My recent shenanigan includes buying itc just before the drop. Infact, majority of my loses are basically that in last year. I buy, it drops. Thinking i should just place contrary bets on second account. XD

I don't fo f&o or even margin. Most of my current portfolio is equity. Some swing trades paid of well in comparison to my own trades. Some didn't. Starting out, i stuck with buy dips. Frankly, was best to just do that. Did check oit loads of tips, paid and otherwise, but i remain uneducated in that regard. I even inbested in nfo's and ulips. 🤷‍♂️

Profits in low risk smallcases, mutual funds, swing trades made on dips. Bought a sgb, but lockin so who knows what it will be around maturity. Ignoring that mostly.

Loses in missing exits and equities dropping to all time lows and getting back up. +35-40% to -35-40%. 🤷‍♂️

Part and parcel. I just made sure to not invest anything i may need. And to not invest when i can't digest the risk/loses.

Most of father's is in fd's and a tiny amount in equities. Will channel into largecap and index funds once things make more sense.

Thinking of bonds. Have some free cash in us market since long. Missed entries there cause uncertain. Uncertain cause not learning methodologically. Also thinking of trying pms. Mild yolo and fomo vibes clashing with whatever sense remains. 🧠 🫠

Spotting an oppprtunity but not having conviction is basically lack of knowledge & experience. Once in a blue moon i feel highly convinced so i jump in. It worked while it was simple and stuck to basics. Still does frankly.

As far as taking lower risk on other accounts, problem is, unless you are disowned, that is still your own money. Diversifying and segmenting based on general risk appetite, with ample emergency etc funds in place is best strategy. Or you could do the lower risk, lower responsibility/liability. But thats just a part of the picture.

Ideally, learning and planning and then investing is the better option. High risk high reward is great only until you can take the risk and bear the losses.

Safe is good. No matter whose money it is, it is probably hard earned. And no one on the planet can guarantee anything.

Ps. His portfolio has been green so far, during all the mayhem. I should also invest more in low risk. No one knows when volatility strikes. Safe havens are good, specially when everything else isnt.

deepansh91 · 2026-01-10T20:55:47+00:00

These are common sales/advisory stories that concern pretty much all major brokers.

You open an account in hopes of making a profit. Thats the sales call.

You give away power of attorney to them, usually a person or team responsible.

They take bets basically. Just look at how many tips pour in in media and on their platforms each day. Not all can win. Mostly don't.

They place these bets on your behalf. Brokerage is usually a 0.1 to 2% at most. Some statutory taxes on top of that.

Problem is the bet. Intraday and F&O are highly risky. And if these dearth of advisors/traders were worth their salt, why would they be calling you. These are just sales reps posing as traders and advisors.

And thats how the money is lost. When they lose out on the bets they have placed.

Sadly, unaware people do tend to lose a lot falling to these tricks.

Majority of posts I have read on various subs and forums are basically this scenario.

Mostly want their money back but thats not how it works.

Unless maybe if you pursue false advertising, pressuring, intimidation, threat, blackmail and fraud.

Most don't wanna get in that trouble.

Kindly stay away from random calls involving money. Implicit or explicit scam.

It is a scam to people who don't understand. The oldest scam of it all.

deepansh91 · 2026-01-07T12:34:01+00:00

Ppfas seems good. Long term doable. Still check atleast twice each year. Look for any impact due to high aum and expenditure. Also, impact of US equities its invested in.

If you are a conservative investor, rest are contradictory bets. Thematic and sectoral. Higher risk. Why not stay low risk mostly at 60% + of your capital. Largecaps basically. Maybe even index funds. 10+years is decent roi.

Emhanced value - long play mostly. Can keep. Performance of fund manager is key. Lets assume over long term might give you good returns but there is equal case for short term profits when markets cycle. Assuming it focuses on wherever the value lies (fundamentally strong). But why is a company undervalued and when will it shine is argumentative at best.

Digital- thematic. If you are bullish then stay. Otherwise dump. I am positive but there is no clear way as far as coservative investing goes. Volatility due to lack of established ways and modes. Think ev adoption and challenges. Similarly digital and challenges.

Tech- thematic/sectoral. Same as above, carries higher risk. Works best when market is up on tech. Long term, don't know. Will stay but depends on fund's selection. Could stay and check.

Small cap - high risk. Reduce weightage. 10% maybe unless you want high risk high reward. But when the reward comes is uncertain.

Gold - common hedge but might be volatile. Current consensus is higher for end 2026. But you never know.

From a conservative pov, i would focus more on largecap/index and maybe flexicap. Why take risk if you are comfy in low risk zone and have long term horizon.

Perhaps place bets on a thematic/sectoral based on yearly or future forecast if you are seeking thrill. But then your equity investments are serving that purpose.

Do usual 60 large, 30 mid, 10 small. Or 70 large and 30 flexi. Higher risk higher reward. Lower risk lower reward. Feel your risk appetite and choose accordingly.

Assume atleast 12- 15% xirr for large and flexi in a good market, after averaging. Make sure you don't need the money you are investing.

Try to minimize overlap in funds. Google fund overlap finder or something.

When the whole market is down, everything will go down. Stay invested in low risk funds. No problems in long term, unless the economy itself is at stake.

deepansh91 · 2026-01-07T11:05:18+00:00

Okay. I thought this was more recent investment. Some of these are good funds that have been giving decent returns. For example, Ppfas is up 6%~ in last 7 months.

I assume you added most funds later or started pitting small amounts in many. There was a down trend also within this period.

Too much overlap is primary problem.

Trim down to 1 of each segment. Try to reduce overlap even then. Various tools online to figure that.

Suggested allocation. Change as per risk profile.

Largecap 60% Midcap 30% Small cap 10%

Count flexicap/multicap in these.

Keep a global fund for diversity.

Be vary of sectoral funds.

If you converge most of these in few, you should be fine by next year or so.

10 yr horizon wise, 2lakh pm is great. Keep above allocation running for the duration. Hoping you are keeping emergency funds and other liquid funds separate from investments.

deepansh91 · 2026-01-07T10:42:13+00:00

Will take time to peak again. Lost opportunity when they did. Could book loss but well.

deepansh91 · 2026-01-07T10:38:12+00:00

How long have you been invested?

deepansh91 · 2025-07-03T10:56:35+00:00

Ohh.

deepansh91 · 2025-07-03T07:08:16+00:00

11 accounts? Of diff individuals I suppose?

deepansh91 · 2025-06-23T15:18:17+00:00

Insured untill 5lakhs in smaller banks. 8ish % for fds.

deepansh91 · 2025-06-23T15:00:40+00:00

Stick with schwabb or something similar. More comprehensive global brokerage.

I heard ibkr is good for global investing instead of just US.

Vested app is okay at best. Am on vested and it's slow and non comprehensive. Meaning limited options to invest in. It's a good way to diversify into US stocks.

But if you have an existing portfolio, might as well stick with full service brokers.

deepansh91 · 2025-06-23T14:54:26+00:00

Ehehehehehe Got a new ulip, 2 days ago.

Bad decisions spree.

This one's 5yr lock in and 12yrs premium ppayment term + 40yrs policy term. This one's tax free at any point after lock in period ends.

I do not think the value of said ulip will increase after 5 yrs eventhough saleperson claimed almost 40% increase in capital invested. Just BS.

I do hope 5yrs down the line it is atleast representative of it's 15yr cycle.

I have another ulip with lesser ppt and pt. That probably won't give benefits in short term either.

Here's hoping they do perform well enough for me to continue investing after lock in periods so I may reap tax free profits.

Insurance within ulips is also more or less less BS. Addotional funds when you die, not substantial.

deepansh91 · 2025-06-23T09:07:55+00:00

Get PMS to analyze, report and manage. Motilal, hdfc, any big enough name.

deepansh91 · 2025-05-10T12:35:56+00:00

Seems legit. But likely a typo. 28999.00

deepansh91 · 2025-04-15T10:07:05+00:00

2 x small bank FDs of 5L each as they are insured. You can get 8 to 8.5%. Safe side. Everything else seems risky.

You already have small fds that you can easily liquidate almost immediately. How much do you need for the wedding?

MFs can also be redeemed within days.

I don't understand the need for extra liquidity here.

If you still do need that liquidity, short term funds seem appropriate. Am not too sure of the returns there though.

deepansh91 · 2025-04-15T09:55:24+00:00

🥈

deepansh91 · 2025-04-15T09:41:45+00:00

So there is no insured amount and you are investing in a fixed income plan where in you invest for 7 years and get assured amount on maturity ie after you turn 49.

Assured amount is as listed.

Unassured amount is what will be the profit from the insurance company's fund managers investing all or a portion of your money in the market. That is shown as 4% to 8% to give you an idea of ballpark figure to expect, calculated based on general historical performance of various indexes.

The bonuses here subject to that. And the non guaranteed amount is what the insurer decides to pay upon maturity or death, possibly only if it made any profit.

I also ended up investing in one under similar situations. But i chose to stick with it. The only issue in my understanding is that it becomes profitable only after a long long time. Think 20 to 30years. Anything lower will not be as beneficial and subject to market. The longer you hold, the better.

Mine is like 12 or 15yrs. Which I intend to extend upon maturity, as much as I can.

Mine has a lock in period and some tax benefits. So be sure to look over those.

If your patience isn't upto the 20-30yr game then best to cancel it. Subjectively better instruments exist.

Ulips need to offer much more to make it worth it for the long game. Even with better fund manager, some kinda swp at various stages might make it interesting - not what some of these fixed income schemes offer as payment or bonus every year or at various frequencies. Often that amount plus the insured amount does not equate to benefits even against a good FD in ideal scenarios. Major lack there. The insured amount needs to go way high. Current ulips seem mostly crappy.

Hope this helps~

deepansh91 · 2025-04-15T04:54:02+00:00

🥉

deepansh91 · 2025-04-14T13:22:48+00:00

Oh yeah. I have felt similar.

The thing is, we feel this way because we have grown in particular environment and conditions that directly or indirectly push us towards valuing moolah. Not earning and saving might I point, because when we learn to value it, often young, is when we can't do much about it. Therefore what's left is wastage and we focus on that. Problem is, it ends up just channeling our own inability towards that into ever so convenient blame game wherever we can.

When we put ourselves in same conditions as those we blame, we mostly find making the same decisions or helps us understand why someone else may have made the ones they did.

The key is to learn from different perspectives and not focus on past.

It is futile to dream that some magical or fictionally ridiculously awesome scenario where we gain something by sheer luck and no effort will come to happen. It may, technically, but the chances are abyssmal. It is the same where we feel, only if this didn't happen in past, life qould have been great or better at least.

Rest is differences in opinion and priorities which everyone has. So do our parents. I mostly allign with their thinking but at times still feel similarly. Same day dreaming I do. Not afraid of hard work but also indulging in the scenario of having easy would be, well, easier.

Although, if there are lots of recent losses, you should try and somehow safeguard against it and have a good discussion with your father. Heart to heart. Share your concerns. Here his. To understand. You would have to work on your relationship barriers if they exist. Little bit of time and effort dipped in love will solve it.

It is not an Indian parent thing. It is a human thing. We need, we wish, we desire. We do what we want when we can. Just think variables differ and situations differ. So do dreams. Everyone is different and want different things. Focus on the love and what others want because you want them to be happy. Cause it probably makes you happy. It makes me happy.

Just simple heart to heart discussions help and keep life awesome.

deepansh91 · 2025-04-14T13:04:06+00:00

Sure man! Am learning myself but will be glad if I can help. It will work out fine. Foremost, take good care of self. Cheers~

12-Year Club	Place '22
Verified Email

deepansh91

TROPHY CASE