₹13 Cr Net Worth in 10 years | Here's Everything I Did

Finance-focused summary (tickers/assets, numbers, frameworks)

Market/investing journey & performance (key numbers)

• Net worth / portfolio growth (self-reported):

  • Total net worth: ₹13–15 crore
  • Portfolio growth: ₹43 lakh → ₹65 lakh (after an early stock investment rebound)

• Major gains:

  • US market investment: ₹10 lakh → ~₹26 lakh
    • Claimed +160% growth
    • Timeframe mentioned: “1.5–2 years”
  • COVID rebound / averaging behavior: portfolio peak return claimed around ~+40%
  • Later compounding (missed opportunity):
    • ₹43 lakh investment → ₹1.56 crore
    • Claimed ~225x

• Major drawdowns / losses (mistakes):

  • F&O (Futures & Options) trading:
    • ₹5 lakh → wiped off
    • Then another ₹5 lakh → wiped off
    • Then another ₹5 lakh → wiped off
    • Total described loss: ₹15 lakh
  • Portfolio crash during COVID-era shift:
    • Equity portfolio “bled” to ~50% loss
    • Context: ₹40 lakh → ~₹22 lakh
    • Nifty referenced around ~7,000–8,000 (2019–2020 period)

• Timeline anchors mentioned:

  • 2001–early career: earnings around ₹6,000, then ₹12,500 (pre-investing)
  • 2011: started business; later got introduced to investments
  • ~2014/2013: investment strategy introduced by bankers (claim)
  • 2016: sold/“broke” mutual fund SIPs / redeemed units; major regret
  • 2020 March/April: COVID crash; invested in multiple stocks “in one shot”
  • 2021: US investing (₹10 lakh into US)
  • ~2022: rally after averaging; “market rocketed”
  • ~6–7 months before present: re-entered F&O and lost again

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Instruments, tickers, sectors mentioned

Indian / equity instruments

• Nifty (index level referenced: ~7,000–8,000 around 2019–2020)

• Stocks referenced for COVID-era one-shot buying list (explicitly named):

  • ITC
  • Tata Motors
  • (“Infosys?” appears as an uncertainty; no clear ticker/name is stated in the provided text.)

• Unclear ticker/term:

  • Mentions “IRS put 10 lakh buy …” (not standard/clearly interpretable from the subtitles)

• Copycat investing references (people/portfolios):

  • Rakesh Jhunjhunwala
  • Radhakishan Damani
  • Additional “Rakkesh…” style references appear unclear in the subtitles, but point to other known Indian investors.

US / global equity

• NASDAQ 100 ETF (explicit)
• US market equity exposure via investing (exact ETF/ticker not specified)

ETFs / sector themes

• EV ETF (exact ticker not provided)
• Defense index / defense ETF (exact ticker not provided)
• Chinese ETF (exact ticker not provided)
• Gold & silver “bees”
  • Likely gold/silver ETFs in India; exact funds not specified

Fixed income / structured products

• Fixed deposits (FDs) mentioned as an earlier choice
• ULIP mentioned as a mistake/earlier product
• Debt funds (small allocation mentioned)
• Loan against securities / leverage against stocks
  • Described via INDmoney

Real estate

• 2 homes + real estate portfolio (no REIT tickers mentioned)

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Explicit mistakes & lessons learned (cautions)

• Redeeming mutual funds early (2016):

  • Withdrew SIP-linked investment after learning LTCG/STCG concepts too late.
  • Regret: missing compounding path; believes financial independence could have arrived earlier.

• Leverage / leverage-like behavior through F&O:

  • Repeated F&O wipeouts (₹5 lakh chunks repeatedly).
  • Concludes “whales and sharks” dynamics; suggests inability to outcompete/insider edge; stresses risk.

• Trading mutual funds repeatedly:

  • Sold stocks/mutual funds after reaching cash, then sold again when needing funds—described as acting “against zero” (effectively poor sequencing).

• Real estate as “biggest mistake” (his view):

  • Claims home/EMI interest can dominate; advocates “rental-first” approach for others.

• Risk capacity ignored:

  • Says he wasn’t aware of “risk” and assumed markets always recover.
  • Explicit caution: he would not advise leveraging/investing beyond risk capacity; risk tolerance differs by income.

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Portfolio construction / asset allocation framework (methodology)

“Three buckets” concept (high-level)

• He describes 3 different investment buckets:
  • Future goals (education)
  • Emergencies
  • Long-term wealth compounding

Current target allocation (approximate from subtitles)

• Indian markets (50% total):

  • 40% Indian equity total, split into:
    • 20% large caps
    • 10% mid caps
    • 10% small caps
  • Additionally:
    • 20% NASDAQ 100 ETF (US exposure)
    • 5% EV ETF
    • 5% defense ETF / defense index
    • ~5% Chinese market via ETF

• Gold & silver + debt funds:

  • Mentions gold and silver ETFs
  • Keeps some “powder”/cash-like buffer for rebalancing
  • Keeps some debt funds

• Note on approach:

  • Moved away from individual stock picking due to scalability limits: stocks he follows belong to firms he can’t buy meaningful size in (“maximum we could buy is like thousand shares”).

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Step-by-step behavior framework (as described)

Stock “copycat” approach (earlier stage)

1. Look up top investors’ portfolios (Jhunjhunwala/Damani references).
2. Pick “biggest names.”
3. Allocate quickly rather than staggered averaging (described as one-shot investing during COVID).

Systematic approach later

• Shift toward index/ETF investing
• Use sector ETFs (EV/defense)
• Add international ETF exposure (NASDAQ 100)

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Disclosures / disclaimers

• No explicit “financial advice” or formal disclaimer text appears in the provided subtitles.

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Presenter / sources mentioned (names)

• Guest / speaker: Anand
• Host / network show: name not provided in the subtitles
• Referenced investors for “copycat” investing:
  • Rakesh Jhunjhunwala
  • Radhakishan Damani
  • Additional “Rakkesh…” references are unclear in the subtitle text, but at least Jhunjhunwala and Damani are clearly identifiable.