In February 2016, I started a ₹ 1,000 SIP during my CA articleship — small enough that I forgot about it. Eighteen months later, I checked it almost by accident. It had grown at a 17% CAGR.
What struck me was not the return. It was the concept. I had done nothing. I had simply kept investing and not touched it.
I did not inherit wealth. I did not get lucky with a stock. I started small and increased my SIP every time my income grew. That is the only rule I have ever followed.
Every investment I hold today is linked to a specific goal. I have strong conviction in equities for the long term. Not because I read it somewhere. Because I lived it.
After qualifying as a CA and working in consulting, I kept seeing the same two things repeat.
First: most people were not investing at all. Not because they could not afford to. Because nobody had approached them with clarity.
Second: those who were investing had no plan. So they redeemed every time they needed money, defeating the purpose entirely.
These were not investment problems. They were behavioural problems. No product could solve them. Only a relationship could. That is why I built Nandi Nivesh.
My personal money is invested in the same schemes I recommend to clients. Apart from the house I own, my entire portfolio is in mutual funds. The same funds. The same approach. I am not asking you to do something I have not done myself.