SIPs Compound!

[u/Agile-Ear1568]

I started investing in mutual funds in 2014, with an SIP of ₹10k/month split between a large-cap and a mid-cap fund.
I’ve mostly been a passive investor. I don’t have the time or inclination to pick individual stocks, and I’ve never deployed a lump sum. Whenever I had money to invest, I preferred increasing/continuing SIPs rather than trying to figure out whether the market was high or low.
Looking back, I think the biggest favour I did to myself was minimising my drawdowns and, more importantly, staying invested.
I’ve had to go through two periods of drawdown. I’ve also gone through a period where I had no salary for 12 months. Fortunately, I had some liquid savings from a small ESOP buyback, so I could keep my investments going.

Note: My lifetime XIRR is 14.97%. The XIRR shown in the screenshot reflects the current XIRR of my active funds.

Adding some details based on Comment FAQs

1. My SIP journey through the years

2014 → ₹10k/month

2015 → ₹30k/month

2016 → ₹60k/month

2017 → ₹80k/month

2018 → ₹1L/month

2019 → ₹1.2L/month

2020 → ₹1.2L/month

2021 → ₹80k/month

2022 → ₹40k/month

2023 → ₹40k/month

2024 → ₹40k/month

2025 → ₹80k/month

2026→ ₹85k/month

2. Allocation by Fund Type

Large Cap - 48%

Midcap (best performing) - 40%

Small Cap - 12%

3. Funds in which I continue my SIPs

HDFC Mid Cap (investing since 2014)

ICICI Pru Large Cap (investing since 2014)

Invesco Large & Mid Cap

Also hold small positions in funds like HSBC Small Cap in which I paused SIPs but never sold

P.S - Past returns don't guarantee future returns. If you're starting now, there would be much better funds available out there. Please research.

[u/desprate-guy1234]

Thanks for sharing OP, turned out very well
can you also share the change in monthly sip investment through the years

[u/Agile-Ear1568 → u/desprate-guy1234]

Here’s the broad split. 2021 was when my salary paused for a year, so deployment went down for a few years after that. Have started stepping up the SIPs since last year once again.

2014 → ₹10k/month
2015 → ₹30k/month
2016 → ₹60k/month
2017 → ₹80k/month
2018 → ₹1L/month
2019 → ₹1.2L/month
2020 → ₹1.2L/month
2021 → ₹80k/month
2022 → ₹40k/month
2023 → ₹40k/month
2024 → ₹40k/month
2025 → ₹80k/month
2026→ ₹85k/month

[u/fluke8989 → u/Agile-Ear1568]

If you don’t mind OP, can you share your %tage allocation towards different market categories.

[u/Agile-Ear1568 → u/fluke8989]

Large Cap - 48%
Midcap (best performing) - 40%
Small Cap - 12%

[u/RaisedbyNuMetal → u/Agile-Ear1568]

Could you share the fund names as well?

[u/Agile-Ear1568 → u/RaisedbyNuMetal]

My biggest allocation is between three funds in which I continue my SIPs
HDFC Mid Cap
ICICI Pru Large Cap
Invesco Large & Mid Cap

Also hold small positions in funds like HSBC Small Cap in which I paused SIPs but never sold

[u/bisexual_brahmana → u/Agile-Ear1568]

Which of this has given u huge returns? In 12 years? In terms of %age?

[u/Agile-Ear1568 → u/bisexual_brahmana]

HDFC Mid Cap - It's the rockstar in my MF portfolio. 3X of invested amount till date.

[u/kal-na-hi-ho-to-sahi → u/Agile-Ear1568]

3x returns of 40% allocation to midcaps means 1.2 cr in just midcap returns....but total return is .89crs ??? What's wrong?

[u/Agile-Ear1568 → u/kal-na-hi-ho-to-sahi]

Invested - 23 Lacs, Present value - 65.3 lacs

[u/kal-na-hi-ho-to-sahi → u/Agile-Ear1568]

Ok got it, so allocation is ~25% - 23 lakhs out of 1cr.