I simply wished to share my monetary journey with you as there are some placing similarities and, on the similar time, big variations.

I began investing round 2007 in 5 Mutual Funds. I continued investing until 2011 in SIPS. I perceive that it retains transferring sideways once you speak concerning the market between 2008 and 2013.

Precisely 6 months earlier than the 2014 elections, I encashed my portfolio (for approx. 26 lakhs – discuss unhealthy timing) as I didn’t see it going anyplace. Sadly, there was nobody to elucidate how the fairness markets work/the compounding impact that occurs with time, and that it’s essential give 15-20 years for the outcomes to indicate.

In hindsight, it’s implausible to see what I might have achieved if I had had the identical portfolio in the present day – with no extra funding, my authentic INR 16 lakhs funding would have been price near 1.8CR.

Sadly, age is not on my facet. I’m just about on the fag finish of my profession, near retirement, turned 60 in Nov 2024. I’m an NRI and have labored in Dubai for 32 years. When it comes to investments, since the previous few years, I’ve gone very conservative…with almost all my money as FDs.

After listening to all concerning the dreaded inflation and with all my cash in FDs (incomes 7%+), I’ve lastly began a SIP of approx. 1 lakh per thirty days ( since Oct 2024) for the following 2 years with approx. 20 lakhs money that I’ve). That is cut up with 50% going to UTI NIFTY 50 Index Fund Direct Plan-Progress, 30% in ICICI Prudential Nifty Subsequent 50 Index Fund – Direct Plan-Progress and the stability 20 % in Parag Parikh Flexi Cap Fund – Direct Plan.  I’m taking a look at a long-term horizon of at the very least 10 years.

I did make investments for 3 months (Oct-Dec 2024) however stopped after that as now the market has gone bearish and since been on a downfall (I do know catching the market in a downfall is unattainable). Nonetheless, I hoped to get some leverage from the falling markets and, subsequently, have skipped my final two SIPS – Jan & Feb 2025).

Reader tales revealed earlier:

As common readers could know, we publish a private monetary audit every December – that is the 2023 version: Portfolio Audit 2023: The Annual Review of My Goal-Based Investments. We requested common readers to share how they assessment their investments and monitor monetary targets.

• First audit: How Suhas tracks his MF investments and reviews financial goals.
• Second audit:  How Avadhoot Joshi evaluates his investment portfolio.
• Third audit: How a single mom is on track to financial freedom
• Fourth audit: How Gowtham started goal-based investing & took control of his money
• Fifth audit: Why my financial independence & early retirement plans were postponed by four years
• Sixth audit:  How Abhisek funded his marriage & is on track to financial freedom.
• Seventh audit: How Rohit’s early struggles defined his investment journey
• Eighth audit: Why my investments are still on track despite job loss and lower income.
• Ninth audit: How a retirement planning calculation scared me to take action
• Tenth audit: I made several investment mistakes but have turned my life around.
• Eleventh audit: My net worth doubled in the last financial year, thanks to patient investing!
• Twelveth audit: My financial journey: from novice to goal-based investor.
• Thirteenth audit: My journey: from a negative net worth to goal-based investing.
• Fourteenth audit: From Fixed Deposits to Goal-based investing in MFs.
• Fifteenth audit: My 10-year financial journey – mistakes made and lessons learnt.
• Sixteenth audit (half 1): How I achieved financial independence without mutual funds or stocks.
• Sixteenth audit (half 2): Lessons from my financial independence journey and future investment plans.
• Seventeenth audit: How I plan to achieve financial independence and move to my native place
• Eighteenth audit: I used the current bull run to reduce my mutual funds from 14 to 4!
• Nineteenth audit: How a conservative investor created his financial plan
• Twentieth audit: I plan to achieve financial independence by 46; this is my master plan
• Twenty-first audit:  I have made many investment mistakes but am on course to financial independence by 45.
• Twenty-second audit: I felt worthless six years ago but have achieved financial stability today
• Twenty-third audit: My financial journey was directionless until age 40: this is how I made up for lost time
• Twenty-fourth audit: Why I increased equity MF investments by 275% and reduced PPF contributions.
• Twenty-fifth audit: How I track financial goals without worrying about returns
• Twenty-sixth audit: I am 24 and started investing 1Y ago, but what am I investing for?
• Twenty-seventh audit: How we plan to achieve a retirement corpus 50 times our annual expenses.
• Twenty-eighth audit: I thought equity investing was a gamble, but now I aim to hold 60% equity for retirement
• Twenty-ninth audit: My journey: From 5 lakhs in debt to building a corpus worth six years in retirement
• Thirtieth audit: My investment journey: From random purchases to a goal-based portfolio
• Thirty-first audit: My investment journey: from product-driven to process-driven
• Thirty-second audit: How a young couple is trying to balance travelling and investing
• Thirty-third audit: My journey: From Rs. 30 bank balance to financial independence
• Thirty-fourth audit: Our journey: From scratch to a net worth of 18 times annual expenses.
• Thirty-fifth audit: From a net worth of Rs. 6000 to auto-pilot goal-based investing
• Thirty-sixth audit: How I retired from corporate bondage at 46, two years ago!
• Thirty-seventh audit: How I learnt to keep it simple and build a net worth 19 times my annual expenses
• Thirty-eighth audit:  How Abhineeth plans to achieve financial independence and build a house.
• Thirty-ninth audit: How Sahil plans to achieve financial independence by efficient tracking
• Fortieth audit: My Journey to a Ten Crore Portfolio
• Forty-first audit: Burdened with debt for several years, I am now aggressively investing in equity
• Forty-second audit: From Engineer to Librarian after Financial Independence and Early Retirement (FIRE)
• Forty-third audit: I lost six months’ income in F&O and ditched it for systematic investing
• Forty-fourth audit: My retirement plan to handle the harsh realities of the IT industry
• Forty-fifth audit: My investment journey: mistakes, 10 years of MF investing and recovery
• Forty-sixth audit: My MF portfolio is worth six crores despite multiple mistakes
• Forty-seventh audit: Saving, Investing, and Running Marathons: My 25-year Journey to Financial Independence
• Forty-eighth audit: Never Too Late to Start: How I Became Financially Savvy at 40
• Forty-ninth audit: My Investment Journey to a net worth 29 times my annual expenses
• Fiftieth audit: How I audit my portfolio without tracking returns
• Fifty-first audit: Financial Lessons Learned During and After a PhD
• Fifty-second audit: Investment & Financial journey of a 23 year old
• Fifty-third audit: The system I use to draw income and spend after retirement securely
• Fifty-fourth audit: From Start-Up Employee to Millionaire: A Success Story of Resilience and Smart Investing
• Fifty-fifth audit: 25-Year-Old Software Engineer’s Investment Journey: From Stocks to Mutual Funds and Beyond
• Fifty-sixth audit: Crossing the Million Mark: Our Journey to the First Crore
• Fifty-seventh audit: Navigating Market Volatility: How an IT Professional Transformed His Investment Approach for Retirement
• Fifty-eighth audit: How Sahil achieved a 10X retirement corpus by efficient portfolio tracking
• FIfty-ninth audit: How I achieved financial freedom by 45 without onsite assignments or ESOPs
• Sixtieth audit: Building Wealth on a Government Salary: Lessons Learned
• Sixty-first audit: Minimalism, Index Funds, and Staying Calm: My Investing Journey at 28
• Sixty-second audit: Building Wealth and Breaking Barriers: How Swati Took Control of Her Financial Future

These revealed audits have had a compounding impact on readers. If you need to contribute to the DIY group on this method, ship your audits to freefincal AT Gmail. They might be revealed anonymously in case you so need.