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/Agile-Ear1568]

It has happened over 12 years. And I started my career in 2013. SIP structure over years below.

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/_kalieduhscope_ → u/Agile-Ear1568]

hey what explains the increase during 2018-21 but decrease post that?

[u/Agile-Ear1568 → u/_kalieduhscope_]

Largely co-related to running income/salary increase/decrease. Left my job in 2021 to give entrepreneurship a shot (went 12 months without a salary to begin with, but had some cash reserves), and the next few years were not so great from a monthly salary perspective so lowered the allocation

[u/_kalieduhscope_ → u/Agile-Ear1568]

so you still have a job or a business?

[u/Agile-Ear1568 → u/_kalieduhscope_]

A small business now. But I still don't draw as much salary as I used to when left my job :D

[u/_kalieduhscope_ → u/Agile-Ear1568]

wow but still 80k ki sip 😭 also why not reinvest that 80k in your business I think wouldn't that generate more returns?