Ramana

You started a SIP in 2005. By 2007, you felt like a genius. Your ₹10,000 monthly SIP in SBI Large & MidCap Fund was up 66% in just two years. "This is easy," you thought. "Why doesn't everyone do this?" Then 2008 happened. Yr 3: Everything changed. The same fund that gave you 66% returns now showed -22%. Your ₹3.6 lakhs invested dropped to ₹2.55 lakhs. All the profits from the first two years? Wiped out. Doubt creeps in: "Should I stop my SIP?" "Did I make a mistake?" "What if it falls further?" But here's what actually happened next. If you had stopped in 2008, you would have locked in your losses. Permanently. But if you continued? 2009: Markets recovered. Your portfolio bounced back to ₹6.74 lakhs. 2010: It grew further to ₹9.57 lakhs. By the end of Yr 5, your ₹6 lakhs investment was worth ₹9.57 lakhs. The same portfolio that showed a loss in Yr 3 was now up by over 50%. Not because you timed the market. Because you stayed invested when stopping felt easier. Yrs 6–8: Nothing happened. From 2011 to 2013, markets moved sideways. No big gains. No excitement. Your returns were stuck between 6–10%. Another test: "FD gives 8% with no risk. Why stay in equity?" If you had stopped during these boring years, you would have missed what came next. Yrs 9–10: The patience paid off. 2014: Your corpus crossed ₹23 lakhs. 2015: It reached ₹26 lakhs. The 6–10% yrs weren't failures. They were accumulation phases. You were gathering units while markets were quiet. Yrs 11–20: The explosion. At Yr 10, you had ₹26 lakhs. By Yr 15 ₹50 lakhs. By Yr 20 ₹1.38 crores. It took 10 yrs to build ₹26 lakhs. The next ₹1.12 crores were added in just 10 yrs. That's not linear growth. That's compounding. What if you had stopped? Stopped in 2008? You'd have booked losses. Stopped in 2011? You'd have missed the 2014 rally. Stopped in 2018? You'd have missed the post-COVID surge. Stopped anytime? You'd have broken the compounding chain. RUPEE COST AVERAGING AT WORK Every fall, 2008, 2011, 2018, 2020 — your SIP kept buying. Lower prices meant more units. Those units became the fuel for the wealth created later. Unwanted volatility isn't your enemy. It's your silent accumulator. What This 20-Yr Journey Teaches Us Yrs 1–5: Markets test you. Don't stop. Yrs 6–10: Markets bore you. Don't quit. Yrs 11–20: Markets reward you. Don't disturb. Why did this fund work? Because it had structure, not just luck. When we evaluate a fund, we check: Rolling returns: Did it beat the benchmark consistently? Consistency: How often did it outperform? (>70% is our filter) Risk-adjusted returns: Was the volatility worth it? This fund passed. But not every fund will. Selection + Patience = Wealth. A ₹10,000 SIP doesn't build wealth in 5 yrs. Or even 10. It builds wealth when you stay through the falls, survive the boredom, and let compounding do its job. Not through timing. Not through luck. Through the process.

My mutual funds are falling. I am Worried. What should I do now? The stock markets have been bleeding. And the fall in stock prices is also reflected in the fall in NAVs of mutual funds and the value of most investors’ mutual fund portfolios. To be fair, we have now seen a healthy correction in the market on the back of global as well as domestic concerns. There are also talks about recession in developed nations with even the developing ones not remaining untouched. But one thing is clear, India seems to be a better place (than many others) to remain invested in based on multiple factors. There is no denying that the last few months have been extremely volatile and full of uncertainties. It has been tough for all investors, both small and large, you and me. The markets have been falling like anything. Will it stop now that we are close to 15-20% down? Or can they fall more? No one knows, to be honest. It might fall more if things go south. But remember one thing... Markets always recover. Sooner or later. Sharply or gradually. But they always do move up again. So if markets have fallen quite a bit, then at least for the long-term investors, it should have become a lot more attractive than it was just a few months back. Also, the more you can invest during a falling market, the more wealth you will create when things eventually turn around. It is as simple as that. Though easier said than done, it is the truth no doubt. Be reminded that equity investing (direct or via equity mutual funds) should be done for the long term only. And in the long term, there will always be short phases when the markets will be volatile and give negative returns. This is completely normal. And you should accept it. Because... if you want to benefit from the UPs later, then you will have to face the DOWNs every now and then. That is a fair deal, I think. That said, if your goals are long-term and still several years away, then you can go ahead and invest more as markets have fallen now (and maybe, fall more in near future) and you get better investment prices. Or you can stagger your investment surplus going forward and not invest it in one go. That way, you can go gradual and have better peace of mind. You can even rebalance the existing portfolio a bit if you don’t have a fresh surplus to invest. Say at the peak of the market (around Nifty 26,373), your Equity:Debt allocation was 70:30 in favour of equity. Now with Nifty hovering around 22,000s, your asset allocation might have come down to 65-35 or near abouts. So go ahead and rebalance it back a bit. If not back to full 70:30, then a bit less if it makes you comfortable. Remember, you will never be able to perfectly time the markets. So do it in phases as that’s more practical for you. That is about long-term investments. But if your goals are just a few years away, then ideally you shouldn’t be investing in equity funds even if it seems tempting to do so (with the potential to make a quick profit in case there is a rebound). I know you might not feel great at this time with markets falling, negative news flowing around, and your mutual fund portfolio suffering losses. But this is exactly the time to stick to your financial plan. Also, don’t stop investing for your financial goals. When markets fall, you may feel that they should stop investing fresh money to contain your losses. But that’s exactly what you shouldn’t be doing. Instead of fearing a falling market, view it as an opportunity to invest at lower levels so that your future profits increase. Invest during good as well as bad times.

Message to younger generation I Lost money in F&O and trading. Did trade in Praj Ind, Renuka Sugar, Chambal Fertilizer, Sesa Goa, etc, in 2010-2015 Wish I started a simple SIP of even Rs 500 in 2010 If u r reading this, dont do this mistake Start SIP Today Happy Investing 🥂

Everyone keeps talking about how Smallcap Funds gave multibagger returns from the pandemic lows of 2020 (March) till now. But what many people don’t see and realize is that the levels from where NAVs fell in March 2020, the smallcap funds already had 2 bad years preceding them from 2018-2020. And that patch of bad year (2018-2020), combined with a sharp correction in March-2020, brought down the smallcap fund NAVs to rock bottom, from where they moved up. Here are some numbers to show how things panned out before March 2020, which then set the platform for future returns. I have taken the current largest smallcap fund – Nippon India Smallcap Fund (Direct) as only an example below to illustrate and hence, please don’t consider it as a recommendation to buy/sell/hold of any kind. - The NAV of this smallcap fund was 25.17 on 1st April 2016. - Over the next 20 months or so, things were good and the NAV reached a high of 52.16 on 15-Jan-2018. So it actually doubled and went up 100% between Apr-2016 and Jan-2018. - Around this time, two things were happening (or about to happen). First was that just a few weeks back, SEBI had announced a massive recategorization exercise for mutual funds and hence, there was a lot of upheaval in the fund industry and portfolio during that time. The second major thing that happened a couple of weeks later on 1-Feb-2018 was that in the Budget-2018, the govt. shocked everyone by reintroducing the LTCG tax at 10% on equity investments. This was in early Feb-2018. - Now see what happens next. Not saying it happened because of the above two factors alone, but just look at the NAV movements over the next 2 years. - From the high of 52.6 in Jan-2018, the NAV gradually went down over the next 2 years to 41.7 by the end of Feb-2020. So that’s a fall of 20% over the period of 2 years. - You can imagine the patience of most investors at this point in time. After a 100% move from 2016 to 2018, they were now sitting on -20% from 2018 to 2020. - And then came March 2020 and the pain of the pandemic. - Over the next 3 weeks or so, markets witnessed a brutal crash. - The NAV was at 41.7 in end of Feb-2020. By 24-March-2020, it had fallen down to 26.8. A fall of 36% in 3 weeks of time. More importantly, and compared to the previous NAV-high made in Jan-2018 (of 52.6), the NAV was now down -49%. That was how brutal things were. So what I am trying to highlight here is that smallcap space not only fell 30-40% in March-2020 itself due to pandemic fear. But even before that, it had fallen about 20% between 2018-2020 due to various other reasons. And they had become highly undervalued and ripe for huge returns in future (of course with hindsight bias now). From there on, i.e. after 24-Mar-2020, everyone knows what happened. From the NAV lows of 26.8 in Mar-2020, the NAV made a new high of 200.25 in July-2024! That’s up a monster 650% in just over 4 years! For the record, at the time of this tweet, the NAV of the said fund is at 190, which is down -5% from its high of 200.25. So this is the story of how smallcap fund NAV behaved over the last 6+ years. Looking at returns post-pandemic lows from March-2020 onwards in isolation doesn’t tell everything. We also need to look back a little further about how things were before 2020. So while the small correction between 2018 and 2020 sowed the seeds for the future bull move, the crash of March-2020 only amplified things when it came to return figures. So while many are waiting for a 2020-like sharp fall in markets (to be honest, no one knows anything!), remember that right now we are sitting on huge returns in the recent past (last 2 years 2022-2024 returns for the fund are in excess of 90%). This is unlike 2020, where we had 2 years of -20% negative returns in the period 2018-2020. So while it is okay to wish for something, let's also have the right expectations about the future, if somehow the wish is granted in the near future 😃 That's it. Disclaimer - The funds/index shown above are for illustration only. It is not a recommendation to buy/sell/hold. Please get in touch with your investment advisor to get customized investment advice based on your risk profile and unique requirements. Don't Forget - Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

In a bullish rally, the junk looks like a good pick while the market is correcting even the good stocks look like junk. Psychology |

Sensible Investing 😎

If you don't know where to invest or if you don't know how to time the market. If your 'investment horizon' is 'as long as it takes' put your money in a Multi-Asset fund. The FM has the choice of putting money in Large cap, Midcap, or Small cap. Can put in gold, silver, debt....so let him/her decide where to put the money. Just allot your share to him on a monthly basis.

If your goals are 4-5+ years away and you are now tempted to stop SIPs in equity funds, then please don’t. Continue those SIPs. You will thank yourself later. Remember SIP is small investors’ best bet to accumulate significant wealth. Fall in markets are exactly when you shouldn’t be thinking of stopping those SIPs.

Why you shouldn't stop SIP in falling markets? Leave aside opinions. Numbers speak! 2008 was the worst crash mkt ever saw. SIP in a smallcap fund taken as example. 2008 Jan Peak NAV 16.84 - XIRR 12.8%, Growth: 10K becomes 79K NAV dips from 16 to 12,9,7,6,5 - SIP continues. More units accmulated. 2008 Peak gave 593 units. SIP in falling period gave ~ 1000 units Result? Look at the growth of installments done during the dip. XIRR Column & Absolute Returns Speak the truth. Look at the SIP done at the bottom in 2009. 10K becomes 2.8L. Gain of 2.7L compared to the gain of 79K in the peak of markets. The holding period is almost the same for the peak investment & bottom investment but the gains are huge. Smart investors continue SIPs in falling markets. Legends do top up. Ultra Legends buy on dips through lumpsum! Data Courtesy - @Advisorkhoj

@grok @SahaBijay @FamyRasheed @grok what about if the MF units in demat format?

Yes, verified. This is accurate per AMFI guidelines (Aug 2024, phased rollout Nov 2024/May 2025) following SEBI directives. SOA (non-demat) MF units can now transfer online via CAMS/KFintech/MF Central portals—no sale, no demat needed. Applies to residents/NRIs (not minors), family/third parties, nominees to heirs, etc. Stamp duty by transferor; 10-day cooling before redemption. No immediate CG tax/exit load at transfer (tax on recipient's future sale); confirm specifics with tax advisor. Sources: RTA sites, Economic Times.

🚨SEBI Update: How to Transfer Mutual Fund Units Without Tax Impact SEBI has simplified the process of gifting / transferring mutual fund units (held in non-demat / SOA mode). No more selling, paying capital gains tax & repurchasing. 👇🧵 1️⃣ What’s Changed? Earlier: Sell units → Pay capital gains tax → Gift money → Receiver reinvests Now: Units can be transferred ONLINE directly — no sale, no demat conversion required. 2️⃣ It’s 100% Online 💻 Transfers can be initiated through: • RTA portals (CAMS / KFintech) • MF Central Designed to simplify process & reduce fraud risk. 3️⃣ Who is Eligible? ✅ Both giver & receiver must be KYC compliant ✅ Available for resident & NRI individuals ❌ Not permitted for minors 4️⃣ Where Can Units Be Transferred? ✔️ Between siblings ✔️ To immediate family (father, mother, spouse, son, daughter) ✔️ To any third party ✔️ Nominee → legal heirs (after transmission) ✔️ Surviving joint holder can add new holder 5️⃣ Charges & Taxation 💰 • Stamp duty applicable (borne by transferor) • No capital gains tax at time of transfer • Tax applies only when recipient sells • 10-day cooling period before redemption 6️⃣ Conditions ⚠️ Units must: • Not have any lien • Not be under lock-in • Be free of charges

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