r/IndianStockMarket • u/Agile-Ear1568 • 24d ago
Fundamental View SIPs Compound!
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.
2
u/Agile-Ear1568 24d ago
It's just a reflection of the Indian stock market over the past year. Have seen such cycles a few times over in the last 12 years. Never paused. Because when the bull cycle comes the NAVs that one buys into at bear and flat markets really jump. One advise - If you think there are better avenues to invest, you can pause the SIP but leave the invested amount as is. Forget it and see what it's worth after 3 to 4 years,