the four pillars of successful investing: start, stay, grow and balance

The Four Pillars of Successful Investing: Start, Stay, Grow and BalanceHomeBlogThe Four Pillars of Successful Investing: Start, Stay, Grow and Balance

Jul 01, 2024 |  750

Investing in India can be complex, but adhering to fundamental principles can lead to long-term success. Here are four essential mantras for successful investing: start early, stay invested, invest regularly, and ensure proper asset allocation.

Start Early

Harness the power of compounding by starting your investments early. Younger investors can take calculated risks with equities, which generally offer higher returns than safer investments like fixed deposits or bonds.

Start at age of 32

Start at age of 40

Start at age of 50

Investment Amount p.m.

₹ 5000

₹ 7000

₹ 14000

Total Amount Invested

₹ 16.80 lakh

Rate of Return

12.00%

Total Retirement ( 60 Years)

₹ 1. 36 Cr

₹ 49.46 Lakh

₹ 11.50 Lakh

Impact of Delay in your corpus

--

₹ 87.10 Lakh

₹ 12.50 Lakh

Stay Invested

Avoid the pitfalls of market timing by staying invested for the long term. Market volatility can tempt investors to buy high and sell low, but staying invested helps you reap the benefits of your investments.

Start at age of 32

Investment Amount p.m.

₹ 5000

Investment Tenure (Yrs)

20 Years

15 Years

10 Years

Total Amount Invested

₹ 14.40 Lakh

₹ 9 Lakh

₹ 6 Lakh

Rate of Return*

12.00%

Total Retirement ( 60 Years)

₹ 49.46 Lakh

₹ 24.97 Lakh

₹ 11.50 Lakh

Difference

₹ 24.48 Lakh

₹ 37.96 Lakh
Invest Regularly
Regular investments help average out the cost over time, buying more units when prices are low and fewer when prices are high. This discipline ensures consistent contributions to your portfolio.

Time Period

Missed Days

0

1

5

7

10

15

20

25

30

1 Year

24.58%

22.05%

14.53%

11.69%

7.88%

2.48%

-2.21%

-6.48%

-10.27%

3 Year

18.21%

16.40%

12.22%

10.35%

7.90%

4.38%

1.26%

-1.56%

-4.11%

5 Year

16.69%

14.75%

9.83%

8.11%

5.74%

2.59%

-0.05%

-2.40%

-4.50%

7 Year

15.49%

14.11%

10.60%

9.36%

7.64%

5.34%

3.40%

1.65%

0.05%

10 Year

14.89%

13.93%

11.46%

10.59%

9.37%

7.68%

6.20%

4.86%

3.64%
Ensure Asset Allocation
Diversify your investments to manage risk and reduce market volatility's impact. A well-balanced portfolio leverages equities' growth potential while providing stability through bonds and other low-risk investments. Adjust your asset allocation based on your financial goals, risk tolerance, and investment horizon.
Adhering to these principles can help you navigate the complexities of the Indian market and achieve long-term investment success.

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1.NSE exchange is Stopping the facility of Stop-Loss Market (SL-M) orders In option trade from 27th Sept 2021 to avoid freak trades and reduce its impact significantly. 2. Introduction of T+1 rolling settlement on optional basis. Stock Exchange may choose to offer T+1 settlement cycle. There shall be no netting between T+1 and T+2 settlements. Circular provisions come into force with effect from Jan: @SEBI_India 3. Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 01, 2020. 4. Update your email id and mobile number with your stock broker / depository participant and receive OTP directly from depository on your email id and/or mobile number to create pledge. 5. Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month. 6.Do not share sensitive information like User ID, Password, OTP, etc., with anyone. Regards, Nirmal Bang.

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  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
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Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.