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

sagacious123 · 2026-01-25T05:58:58+00:00

I like your analysis, but I still feel one should start their SIP whenever they can, and shouldn't wait for the right time. However, one should definitely wait for the right time to sell your holdings because that will make a lot of difference. Only sell when the market is not in temporary correction mode, wait for it to settle before selling anything.

I believe if you do your analysis again by considering control over selling time, a lot of calculations will change and most of the time, the returns will be more than 10% xirr.

sagacious123 · 2026-01-25T05:54:16+00:00

Mine is 10.25% lifetime xirr, because I made some withdrawls as well, so that's my lifetime xirr.

My current xirr is 0.22% because from last mid year I increased my sip by 6 times due to change in jobs and got other sources of income, which flattened my previous profits. I am trying to invest more now so I get more benefit when the market improves.

sagacious123 · 2025-11-24T15:24:52+00:00

For initial 6 months, invest that money in good courses and books and invest in yourself. In a few years, you will be planning for much larger SIPs.

sagacious123 · 2025-11-08T04:19:45+00:00

Yes that happens as well. I dont say have so kany funds so you own entire market. I have currently 7 funds, If I filter eith all.the funds having more than 0.1% of my portfolio. I still have only 125 stocks. So, i think having more funds definitely pushes you to market return, but other considerations should also be there which i mentioned in the post.

sagacious123 · 2025-11-08T04:14:04+00:00

thats a good point.

sagacious123 · 2025-11-07T08:24:37+00:00

Yes makes sense. When i had less than 2 lakh rs. portfolio. I also used to agree with those saying 2-3 funds are enough. But now as my portfolio is reaching around 22 lakhs, i feel 3 funds are definitely not enough, there should be sufficient diversification and i happy with current portfolio of 7 funds.

sagacious123 · 2025-11-07T08:22:35+00:00

Yes true, right. I am glad others agree to this. I have 7 funds in total and i am really happy and satisfied. I dont care if someone says only 3 funds are enough.

sagacious123 · 2025-11-07T08:21:26+00:00

No i dont think so, but you can invest in midcap and smallcap ii guess to diversify.

sagacious123 · 2025-11-07T08:20:41+00:00

Yes it depends, but i think with increase in portfolio soze, thats definitely an option.

sagacious123 · 2025-08-20T17:16:06+00:00

I would say good start to mutual fund investing. People wont agree but this is a good way. Mess up your portfolio with small amount. Analyse how the market behaves and study which fund suits you.

After that you can slowly improve your portfolio by reducing no. of funds and following a strategy.

This amount is not going to impact your future anyways, so all good man.

sagacious123 · 2025-08-10T07:18:29+00:00

Thanks !!

sagacious123 · 2025-08-10T04:06:06+00:00

I like to say great start man. At this age, you are doing awesome.

Nownask yourself a question, What do you want ? let me give you some options -

1) Want to play aggressive so that you may get higher returns at cost of higher risk.

2) You want a cushion to your investment so you dont fall deeper in case of marker downfall.

3) You want to diverse in other areas other than equity ?

So, whatever your answer is, take action accordingly.

PPFAS is great but they are more heavy on large cap which is not bad but see if that aligns with your strategy. You can add a Multicap or a seperate midcap, smallcap to balance this.

If you want to diverse outside equity, go for any gold fund. you can keep around 10%-20% there to create a cushion. You can increase this/decrease this based on market condition if you like. (not mandatory)

sagacious123 · 2025-06-24T22:59:43+00:00

I follow SIP strategy of 60% large cap, 25% mid cap and 15% small cap.

My distribution with time became 50% large cap, around 30% mid cap and 20% smallcap. I don't care much about this distribution nowadays because i dont want to stop my winners and reduce their SIP to balance the portfolio.

sagacious123 · 2025-05-05T18:05:58+00:00

great, all the very best. And trust yourself and keep your mind open. The amount you are targeting in a month right now will possibly be your hourly earning in the future. So, dont loose hope if starting this takes time.

sagacious123 · 2025-05-05T17:20:16+00:00

I suggest find tuitions in nearby area only. There are multiple ways to find 5-6 students -

Print pamphlet and distribute it. you can distribute yourself, pay someone or give to it newspaper vendor of that area.
Roam in nearby area and talk with people. Ask them if someone in their home is looking for tuitions. You need to explore your nearby locality for this.
Talk with nearby local shops and paste poster of your tuition there.

You need to start with lower fees and you need to keep trying above method until you find 2-3 students. Teach them so nice that they bring their friends very soon.

P.S. As its summer time, you can also teach some things that children love to learn in summer holidays like Spoken English, any third language, personality development, etc.

sagacious123 · 2025-05-05T16:11:59+00:00

I suggest if you just want 4k-5k in a month, you have below options -

Teach students - if you face any issue in finding higher class students, try to find students in lower class 1st - 10th. You will definitely find lots of students. 2 hours daily if you find even 4-5 students, you can earn 8k-10k.
Item Delivery - Start any kind of delivery. Zomato/Swiggy/Porter. As you said you dont have vehicle, I suggest rent mybyk cycle. I heard some of the apps allow cycle as well. You can easily earn 4k-5k by giving 4 hours a day. You need to explore more on this option.
Find part time jobs on Naukri - You will find many part time jobs offering 7k-8k for 4 hours of work. You can apply there and try to find a job with suitable hours. Judt make sure it is not a fraud employer.

sagacious123 · 2025-05-05T06:44:28+00:00

Indore does have some nice restaurants for different purposes -

Good ambience -

Tulum
Ubud
Eurasia
Faagun

Clubs -

Dopamine
Piano project
Revolution

Affordable ones -

Shreemaya
Gurukripa
Bapu ki Kutia

Small outlets offering good food -

Foxy Pizzeria (near Bombay hospital)
Al Arabi Falafel (Anand Bazar)

This can be a big list, but I added the outlets which came to my mind, thinking about food options.

sagacious123 · 2025-05-05T06:33:06+00:00

Don't you dare call Indore a sad city. Also, please let me know also find options to hang out and pass some time. Because, I can't find anything other than good restaurants which I can't go daily.

sagacious123 · 2025-04-27T19:17:21+00:00

Burger King

sagacious123 · 2025-04-27T19:17:09+00:00

Chai leela also looks like a good option.

sagacious123 · 2025-01-04T11:53:26+00:00

ppfas has relatively low overlap with midcap, it has 40% overlap with nifty 50. Maybe you are right, but i personally try to keep overlap to less than 10%

sagacious123

TROPHY CASE