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February 14, February 14, This is an analysis of my mutual fund investing journey in particular, the growth of my retirement corpus. The aim of this post is only to share my insights. The main reason I did this analysis is to explore the possibility of creating Valueresearch com tool to automate this analysis.
My first ever equity investment was on 19th June The markets were about to crash, but I had no idea about all that simply because I was not looking.
The blue line is my normalized retirement corpus equity portion alone.
Since I had extremely small amounts of equity exposure up to earlythe recovery from the crash did very little to bolster my folio. When you look at the data as shown above, plotted with BSEit gives the impression that the folio has almost been immune to market movements and has gone up regardless!
The devil lies in the details! This is my total investments plotted along with the corpus. So much of the corpus growth has been due to investments which shot up rapidly in Now gain or loss has been added. Notice that the folio was in red for more than 5Y after I started investing.
The gains started only in Aug when the market started to move up. The net XIRR of this folio is Personally, I am at peace with this. All I have done is to put away money into the market each month.
Close to 8 years of doing this has taken me to within years of notional financial freedom: My takeaways from this journey: Market returns are highly irregular. The corpus gain shot up from zero to in a little more than a year.
The main reason for this gain: Keep your head down, ignore the noise and constantly deploy money into the markets.
However, that is because of NAV movement, not because of decrease in mutual fund units. My technical retirement is 24 years away. People talk about a poor show in and then markets picking up. The main reason I write this is to illustrate the point that one has to wait patiently for gains to arrive.
I believe active management is essential too. I have actively analysed my portfolio and I have made an active choice that my dull and boring systematic monthly investments are going to continue.
Want to conduct a sales-free "basics of money management" session in your office? I conduct free seminars to employees or societies. Only the very basics and getting-started steps are discussed no scary math: How to define financial goals, how to save tax with a clear goal in mind; How to use a credit card for maximum benefit; When to buy a house; How to start investing; where to invest; how to invest for and after retirement etc.
If you are interested, you can contact me: I can do the talk via conferencing software, so there is no cost for your company. If you want me to travel, you need to cover my airfare I live in Chennai Connect with us on social media.Domain Name: plombier-nemours.com Registry Domain ID: _DOMAIN_COM-VRSN Registrar WHOIS Server: plombier-nemours.com Registrar URL: http.
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