Equity Portfolio touched 2Cr this Friday!
A win in its own sense. I invest in mutual fund as well which is worth 27L but this is direct equity portfolio. AMA
How do you embrace volatility? A 10% down move is 20L loss. Does it sadden you, make you wish to take any actions?
Similarly, a 10% up move is 20L in the bank. Do you feel the itch to cash out a bit, or take out money to treat yourself after spending 10 long years building the folio?
SpringTimeLearner
Student
3 months ago
Please answer this question op
WhiskeySour
Stealth
3 months ago
I stay with my parents,I run my own business, don't own any personal loan on anything hence I save money here. My father has debt which needs to be paid in future as there is no compulsion to pay right away so I just focus on investing. I keep quite some amount (almost 40-50L) as cash in hand for emergencies at any given point of time.
Long term investor should not be worried about the short term loss or profits :) I sometimes forget my password & don't check portfolio for weeks.
WhiskeySour
Stealth
3 months ago
Investing since 2014. I invest 50% of income almost every month. Sometimes once in three months. Increased my investment since 2020 as my income grew in business. My dad advises me when it comes to stocks but I take the call on the amount.
WhiskeySour
Stealth
3 months ago
Initial 5 years my income was not much so Invested close to 30L. The rest 1 cr investment actually started post 2018 & highest investment happened post 2020.
TheRealDev
Student
3 months ago
How do you secure your portfolio,
I think If you lost your mobile, somebody can just take your sim and install it on their mobile
Install Groww App, reset the groww pin
Add a bank account for withdrawal and withdraw the money
WhiskeySour
Stealth
3 months ago
Thats a valid question. I didn't think through this yet but It would be difficult to bypass so easily right? We have pin + password on the app + if you change the emai passwordl & maybe freeze it with the securities, nobody can do anything.
withdrawal never happens without a penny drop validation
as a response of penny drop, customer’s name is validated, which will fail here
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Wow! Great. Care to mention your most profiteering stocks?
WhiskeySour
Stealth
3 months ago
Yes. Top 5 in profit value.
1. Reliance
2. ITC
3. Zyduslife
4. Poonawalla &
5. Jio
WhiskeySour
Stealth
3 months ago
Indian. Haha kya farak padta hai. Btw none :)
U already hv money house and business thats why investing in stocks and how u select stocks to invest ?
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Aur yaha mai 65k ke loss pe dejected feel kar raha hu
Ps - fresher hu, and f&o loss hai, stocks folio is 3% return from 1.4L and mf is 10% from 1.7L
@DaabaWubbaLubbLub FnO is gambling unless you are an institutional investor/trader. Whatever you put in there, expect to lose it, and enjoy the occasional gains.
Stock folio goes up over time. Even if you invested just before covid crash and braced for a while, you'd be in profit. Keep investing, and reap benefits over time!
WhiskeySour
Stealth
3 months ago
I don't understand F&0 & I know I will lose if I do it. Hence, sticking where my mouth is: long term equity. You will do well, do invest for long term :)
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Congratulations on hitting 2 Cr mark!
I have a question. You've mentioned that you invest high in your income every month, so how do you manage your immediate needs? How do you save liquid cash in case of emergencies or some urgent needs.
WhiskeySour
Stealth
3 months ago
I do keep liquid cash for emergencies. Out of my total NW of close to 3cr, 40L is cash. This is the same at any given point of time since last 4 years. I don't overinvest or let this amount go down & in covid I actually stopped investing for 6 months as my business income took a hit. . I also need to keep cash in bank to run my own firm so thats that.
1. How many income streams do you have?
2. What is your savings rate?
3. What is the rough CAGR for you over the 10 years?
WhiskeySour
Stealth
3 months ago
1. One. My business
2. 40%-50% on most months. Rarely 30% or below
3. I haven't calculated this tbh
Interesting, since you have your own business, have you ever thought about the same money in the business itself? Did you consider doing the cost-benefit-risk analysis?
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HeftyTamale3
Stealth
3 months ago
Can you also post the shares you've bought?
WhiskeySour
Stealth
3 months ago
Have 35 stocks in portfolio which will be too much to mention coz time horizons are different. I will mention the top 5-10 by value: Reliance, Itc, zydus, poonawala, jio, cipla, bandhan bank, latentview, hdfc bank, mahindra life, wipro.
WhiskeySour
Stealth
3 months ago
No idea how to calculate that 😅
The app doesn't show as well. I guess that happens in mutual funds?
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I think investment of 1.27crores over 10 years in real estate would have given more return . What do you think ? But obviously it would have come at cost of liquidity .
WhiskeySour
Stealth
3 months ago
I have invested over months & years like a SIP. For real estate you need good enough liquidity in your hand. This is the best I could do with my personal income :)
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WhiskeySour
Stealth
3 months ago
Market is at an all time high. Wait for a month or so for the dip. If still you want to purchase, these are recommended but I invest for a very long term (10-15 years minimum): Bandhan Bank, Icici bank, Jio, ITC, tata power, tirumalai chemical, ATL, poonawala, mahindra life.
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WhiskeySour
Stealth
3 months ago
Congratulations. Keep going, you are doing well 😊
MadLadBP
Stealth
3 months ago
Congratulations 🎉
Newbie MF investor here. Hope I even reach this goal
WhiskeySour
Stealth
3 months ago
You will. Just be at it! Compounding happens when you invest regularly + increase primary investment & then just wait a lot.
How is your investment allocation looks like in terms of Equity, Bonds, Real estate, Gold etc in terms of percentage?
WhiskeySour
Stealth
3 months ago
Equity: 80%
Mutual fund: 10%
Cash: 9.5%
FD: 0.5%
Undergrad intern 1.5 years into investing here. Glad to see soo many zeroes. Hit 13L myself. Exact same return % but less invested value so less returns.
WhiskeySour
Stealth
3 months ago
keep at it! You are doing well. Make sure you keep investing for the next 10-15 years without disturbing it :)
Do you also invest in other asset classes? If so, can you tell me which ones you think provide good returns (apart from stocks)?
WhiskeySour
Stealth
3 months ago
I invest in mutual fund through some Ulips & have just for fun invested in FD but the total amount invested in other asset classes is close to 15L only.
WhiskeySour
Stealth
3 months ago
Zerodha has new funds which you can check & pick up one of them. Axis small cap is also good. Rest you will have to do some research here. Mutual fund would not be my forte :)
Congrats! How do you plan to spend it, what are you guilty pleasures, and do you think your lifestyle will change if this 2cr becomes say 5cr?
WhiskeySour
Stealth
3 months ago
No change. My father has a debt, untill that gets cleared, no lifestyle change. My guilty pleasures are food & travel. I would just wish to buy my freedom & thats that I am working for :)
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