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.