How I am Building a 100+ CRORE Investing Portfolio (Calculator Included)
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- Опубліковано 9 лип 2024
- In this video, I'll share the system I'm using to build a 100+ Crore Investing Portfolio.
I’ll break down my portfolio and explain how my system helps me build and manage it effectively.
Key Concepts:
⏺ Goals and Systems: Setting clear goals and implementing a system to achieve them is crucial. This applies not only to investing but also to health, fitness, business, and relationships.
⏺ Visualization and Documentation: Visualize your end goal, document it, and follow a structured system to achieve it.
⏺ Consistency: Stick to your system and avoid constant rethinking. Consistent effort and discipline are key to achieving success.
My Investing System:
⏺ Google Sheet: I use a detailed Google Sheet to document my goals and system. This helps me stay organized and focused. You can download this sheet through the link provided in the video.
⏺ Personalized Goals: Your goals should be tailored to your lifestyle and financial requirements. I share my approach, but it's important to set your own goals.
Portfolio Breakdown:
⏺ Current Value: My portfolio currently stands at ₹3.29 crores, with a return of 23.11% XIRR.
⏺ Investments: I primarily invest in mutual funds, ETFs, and a mix of large-cap, mid-cap, and small-cap funds.
⏺ Diversification: My portfolio includes geographical diversification with investments in the NASDAQ 100 and S&P 500.
Investing Strategy:
⏺ Simple Systems: I use a straightforward system to decide my investments, whether it’s SIPs or lump sums. The system includes a consistent portfolio split and regular rebalancing.
⏺ Disciplined Approach: I maintain a boring but effective strategy focused on long-term growth rather than chasing high returns.
Financial Principles:
⏺ Making Money: Develop a system to generate income.
⏺ Growing Money: Invest wisely to grow your wealth.
⏺ Using Money: Implement strategies to use money effectively without selling your investments.
Compounding Magic:
⏺ Long-Term Growth: I demonstrate how compounding works over different time frames and interest rates. Small changes in your approach can significantly impact your wealth over time.
Download My Investment Calculator:
⏺ Customize Your Goals: Use the provided calculator to set and adjust your own investment goals.
⏺ Consistent Execution: Follow a disciplined investment practice to achieve desired results.
🧮 Get a copy of the Investment Calculator: bit.ly/investing-portfolio-ca...
Watch the full video to see my portfolio in detail, understand my investment system, and learn how you can apply these principles to your own financial journey. If you have any questions or want more insights, leave a comment below!
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Timestamps:
00:00 - Introduction
01:08 - Goal and System Google Sheet
03:17 - Current Portfolio Value
05:25 - How I Make Money
08:00 - Portfolio Rebalancing and Investment System
10:00 - New Funds
11:31 - Calculating Future Wealth
15:43 - Age Reveal and Compounding Magic
17:40 - Using the Goal Calculator
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Links:
💼 Let's connect on LinkedIn: / rishabhdev
📸 Catch me on Instagram: / remoterish
🌟 Follow my Twitter journey: x.com/reachrishabh
🚀 Check out my 🆓 Freelancing Course: bit.ly/free-freelancing-course
📩 Sign up for my Newsletter: bit.ly/rishabh-dev-newsletter
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Liked the format and the simplicity and clarity in your approach. Great work!
Thank you, I enjoy simple and elegant solution to complex problems (those that seem complex but aren't)
Great video
A complex topic so much simplified
i hv started recommending your channel to my friends. Great video again !
I really appreciate that, I feel this kind of message is good to get to more people
thank you for being so transparent!
Thank you, I think that’s the best way to learn
Wud luv to know more about momentum bits of ur portfolio..
Thank you for your ETF ideas to achieve the goal. I recently started moving all my direct stock invesment to ETF. I am no more concerned about individual stock falling.. In ETF, i selected Midcap,Momentom and Alpha based ETF which i feel better than direct stocks... Any comments??
I personally don’t invest in alpha funds, momentum and mid cap yes
keep it coming!
Absolutely
Rishab i will suggest you to create a open small case of all these stocks sp that everyone if required can buy directly and we can track it from there - also you can rebalance there which can help everyone ❤
I don't really know which stocks the money is going in, I only study the index broadly :)
Thanks Rishabh, Your content is always motivating. I have 2 followup questions to your content and it would be great if your can share your thoughts on same.
1. The performance of Nifty Momentum compared to Nifty on an XIRR basis. The difference comes to ~5% on 10 years CAGR as parameter. Dont you think the allocation should be more than 12-15% or more to this?
2. I am researching more about Nifty Alpha Index as well and not many houses have entered. What your view on that, if your are avoiding, any specific reason?
Hi Chintan,
Those are 2 very valid points. I'm personally thinking of increasing exposure to momentum to 10% or even more in the future. I just like to make moves a bit slowly as in the long run, 1-2-3 years of difference won't matter a lot to me. But yes, You shouldn't be surprised to see a lot more than 10% of momentum index funds or ETFs in my portfolio over the coming years.
Regarding other smart beta funds, I will wait for a bit more of fund houses to launch smart beta strategy funds as it will signal the market is mature for it. This is a space I'm watching very closely and I could make a move here on this soon.
As always, I will be sharing all these updates on the channel.
There is a reason I'm still not on other smart beta funds except momentum, but it's just my limited research.
Great video, learning a lot from you. One question i have is do you think about financial independence? You cannot be investing 2 lakhs into SIP every month till you are 60-70 years of age.
It would be great if you can make a video about people who want to retire early and still be able to maintain the portfolio with lesser investments after retirement.
Actually you can if you can figure out how to slowly increase passive income and keep replacing active income with passive income
@@remoterishCalucalator not getting via link sir it seems have some problem. Could you please correct it. May help many peoples............ 👆
cant wait to see you on more heights
Thanks appreciate this
Hey man, great video. Kudos to you for being transparent and concise. But the download for the calculator is not working fyi. Error: “ Type error: Load Failed”. Kindly look into it. Thanks.
Thank you. I like to be transparent and clear
I couldn't recreate the error. It should work fine..
Please try with this link: bit.ly/investment-portfolio-calculator
hii bro my target is also a 100 cr .but i am from lower middle-class family. please make video on how lower middle class grow like you .i am watching your all video. people respect who has a money .my dream is so big please suggest me.waiting for your reply
Hey love the video and the calculator too, appreciate all the work you put into for making these videos! Quick question, so you invest 2.15 Lakh per month (that includes investing in both Mutual Funds & ETFs)? Couldn’t quite understand the total split between the investing amount for ETFs and Mutual Funds
Good question and I think I haven’t covered this. I will make a separate video on this but my ETF investments are manual investments while the funds are through SIP. So the etf investment is all on top of the SIP while still following the split. So every time I will add an amount let’s say 5-10L into nifty 50, next 50 and mid cap 150 I’ll just update the totals on the calculator. And I haven’t accounted for these in the long term plan because this depends on how my business is doing
@@remoterish Got it, so you mean to say 2,15,000 goes into the MF( MidCap and SmallCap as stated in the video) through SIP and besides this, all the lumpsum investments are separate and on top of this whenever you feel there’s enough cash flow to invest?
Exactly, whenever I take out dividends from my business which is once in 3 months. So i should end up with much more than what I calculated in this video
Bro I'm a bit confused like you invested in midcap etf right and again you invested in an actively managed midcap fund . So is it better to invest in an index and actively managed fund together or just index would be enough . Also Great informative video. 8:04
I feel index should be enough. I was running SIPs since before I started investing in the MIDCAP index, so I just kept them running for now. And once the amount started becoming big, I feel more comfortable in splitting it to both index and MF, but only for Midcap.
Overall my strategy is:
For large cap - no active fund, only index
For small cap - no index, only active fund
For mid cap - both
Thanks for the detailed explanation bro
❤
my pov unnecessary complication of the pf you will only manage market return with slightly above beta & sd. You can kick most smallcaps out it brings joy only for short term instead continue on midcap 150 & nasdaq enough to boost alpha plus Nifty + low beta flexicaps or low volatile stocks to have better Risk adjusted return.
Appreciate your insights on the matter
Could you please share momentum index funds
Hii sir..U R basically living in vietnam right? What all things to look for when ivesting to indian Market as an NRI as i will be moving to Australia next year and I just started to invest in ETFs recently in India
If you can help lower medium class people to understand that how they will reach their 1st 1 carore as early as possible that would be great, make a video on it but on real examples.
Congrats on your achievement 🎉
Thanks but I’m only here to share and document my journey. I try to share the process I follow.
The majority out of this 170-200 crores will be made near the end of your goal when the corpus is big.
That’s exactly true. That’s why there’s so much advice of starting early as money compounds mostly toward the end.
@@remoterish This happens on Excel sheet only. The markets are not linear. What if market crashes when your corpus is big.
Yes we just give our best shot and focus on things which are in our control. I actually don’t need any more than what I already have (I have other assets outside equity too) so I really don’t need much. I’m playing it a game.
Are you also 91 baby? Me too.. One question I am new to investing and thinking to invest in ETF but people surrounding me discouraging me from doing it giving reason that you can not sell that easily. ETF market is not that big in India now. I want to do long term investing still I am confused should I invest in Index funds or ETFs?
You can go for the index funds of the same instead of ETF, so there's no liquidity issue
Great effort. Well covered. The link is not opening. Some error.
Ok let me check
I've seen many youtubers making videos that index funds are for wealth preservation and not for building wealth , can you please share your opinion . It would be a lot helpful.
Yes, best to build wealth through business or multiple income streams and then put them in index funds
Hey, thanks for the amazing video
Having said that, I have not received the calculator. Could you please check again if there's any issue in email sending with the website 😕
Here you go: bit.ly/investment-portfolio-calculator
Can you make a video for NRI and taxes..is it good to
Invest in India or the country we are in
Sure, I'll cover this topic. India is a great country to invest in as per me.
If all the serious viewers start now and one day we reach that amount of 1 crore and keep compounding..and stay invested in the market, is that amount of money safe to park that much in the market?
I think so
Is ETF sip is good or yearly 2 times ETF portfolio rebalancing is good? I only have 2 ETF in my portfolio. And love your videos :)❤❤ please response :)
2 etf portfolio is amazing! I would do that too under 1 Crore to keep things simple. Just rebalance 1/2 times a year is enough
@@remoterish one more question I have I only invested 2lakhs in those 2 etf and my monthly sip that I will running is 2k to 3k range can I stop those sip and save it for 6 months then invest whole amount or should I go for normal sip. Can you please suggest :) lots of love for you ❤️
What do you do that enables you to SIP 2 lakh per month?
I run a marketing company and we provide services and consulting to startups and businesses. Check my previous videos where I've shared more on this.
Warren Buffett initial CAGR was 44% ? What about it?
Nice one, Its very simple..... It is not rocket science... I have better returns than him.but I dont have that much money to invest.... Remember Money makes money.....😅
Right, it’s quite simple :)
Hey man love your investing strategy. The calculator isn't coming to the email could you please check once that helps us.
Let me check
@@remoterish thank you ☺️
@@tejaskumar8594 Please use this link: bit.ly/investment-portfolio-calculator
@@remoterish thank you Rishab ☺️
Gold is Best investment today’s world:⭐️⭐️⭐️⭐️⭐️
Gold giving 15% return if keep going with same returns,,gold will be 28 crores per kilo in next 26 years
Today value 74 lakhs per kilo 2024 :
74lakhs 15 % years26=28crores+🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉
Calcutor not getting sir
Here you go: bit.ly/investment-portfolio-calculator
But you haven't considered Inflation in it at rate of 6% or 7%
Bro we are talking about 100 crs here pretty sure even with inflation, it’ll be enough
He has also not considered step up. And 100 cr even without inflation is pretty much ok
Yes, you can consider inflation.
The amounts in the calculation will remain same, but their value will be worth less as per inflation.
For me, I'm not so worried about it as I will still have enough for my simple life, and enough to pass on to the next generation based on my planning.
I think they'll need to worry about inflation and taxation more than me haha
Given I raise them well, they'll find a way out..
Bro. What you will do with 500cr at age of 70. I guess hire some nice bodyguards, to save yourself being murdered by your heirs. 😂
Just kidding❤
The money is for them anyway, I am not planning on using any of this.
What happened to the audio dude, sue the mic company or hear your video before uploading
Check your earphones
Was on my mac speakers no earphones sir
Didn’t face any issues on my phone
@@sudpines1 from where did you purchase your mac?