In February 2016, I was in the middle of my CA articleship. I came across an article about mutual fund SIPs and started one for Rs. 1,000 a month — small enough that I forgot about it. Eighteen months later, I checked it almost by accident. It had grown at a 17% CAGR.
I know it was too short a period to draw conclusions. But what struck me wasn't the return — it was the concept. I had done nothing.
I had simply kept investing and not touched it.
Markets reward patience and discipline, not knowledge.
My job is to make sure you stay the course when it matters most.
I did not inherit wealth. I did not get lucky with a stock. I started with Rs. 1,000 a month and increased my SIP every time my income grew — the only rule I have ever followed.
In between, life happened: marriage, a house in Pune, travel to multiple countries, market corrections in 2018, 2020, and 2022. I stayed invested through all of it.
Every investment I hold today is linked to a specific goal. I have extremely strong conviction in equities for the long term. Not because I read it somewhere. Because I lived it.
We have skin in the game. My personal money is invested in the same schemes I recommend to clients. Apart from the house I own, my entire investment portfolio is in mutual funds. The same funds. The same approach. I am not asking you to do something I have not done myself.
After qualifying as a CA and working in valuation and project finance consulting, I kept seeing the same two things repeat.
First: most people were not investing in SIPs at all. Not because they could not afford to. Because nobody had approached them with clarity and confidence.
Second: the people who were investing had no plan. So they redeemed every time they needed money. Defeating the entire purpose of long-term SIPs.
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.
Nandi is the eternal guardian in Indian tradition — the one who simply sits and waits. In our culture, patience is considered the highest virtue. One who knows how to wait is naturally meditative.
In markets, the same truth holds. You do not make returns by trading more or switching funds more. You make returns by waiting, patiently, consistently, without flinching when things get uncomfortable.
Before you start investing, you must have the quality of Nandi. You are not trying to get rich quickly. You are not trying to find the best stock or the best fund. You simply invest regularly, stay the course, and let long-term compounding do the work.
At Nandi Nivesh, we strive to be your most trusted partner through transparent dealings, always focused on your primary interests. Our integrity means being unbiased across products and independent in our analysis.