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Sandeep Kulkarni

@moneyworks4u_fa • 33,120 subscribers

Founder & CEO, Aksha Moneyworks4u (ARN-287729) Building an institution families can trust. Sharing lessons from 19 yrs of market cycles, investing & leadership

Shorts

What happens when you stop your SIP during a bear market just because the portfolio XIRR is looking low. We analysed real SIP data from October 2017 to November 2025 — eight years, three equity funds, ₹10,000 SIP each month. And when you look at this period, you see one clear truth: markets will keep testing you, but SIPs reward those who stay consistent. 2018 had LTCG tax, the NBFC crisis, and global tensions — the first dip. 2019 was a slow, grinding year where confidence fell. 2020 brought the Covid crash — the steepest fall on the chart. 2021 had another wobble with the second Covid wave. 2022 came with inflation, rate hikes, and the Russia–Ukraine war. 2023 saw volatility from global yields, corporate news, and FII selling. 2024 had healthy corrections because valuations were high. 2025 faced growth worries and foreign selling, leading to a long drawdown. Through all this, XIRR jumped up and down in the early years. This is where most people panic and doubt their SIPs. But SIPs were never meant to perform in 6–12 months. As more instalments go in and more cycles get absorbed, the impact of any single crash reduces. When you zoom out, the long-term returns become strong and stable. Short-term noise means nothing. Long-term compounding means everything. Stay consistent — that’s how wealth is built.

What happens when you stop your SIP during a bear market just because the portfolio XIRR is looking low. We analysed real SIP data from October 2017 to November 2025 — eight years, three equity funds, ₹10,000 SIP each month. And when you look at this period, you see one clear truth: markets will keep testing you, but SIPs reward those who stay consistent. 2018 had LTCG tax, the NBFC crisis, and global tensions — the first dip. 2019 was a slow, grinding year where confidence fell. 2020 brought the Covid crash — the steepest fall on the chart. 2021 had another wobble with the second Covid wave. 2022 came with inflation, rate hikes, and the Russia–Ukraine war. 2023 saw volatility from global yields, corporate news, and FII selling. 2024 had healthy corrections because valuations were high. 2025 faced growth worries and foreign selling, leading to a long drawdown. Through all this, XIRR jumped up and down in the early years. This is where most people panic and doubt their SIPs. But SIPs were never meant to perform in 6–12 months. As more instalments go in and more cycles get absorbed, the impact of any single crash reduces. When you zoom out, the long-term returns become strong and stable. Short-term noise means nothing. Long-term compounding means everything. Stay consistent — that’s how wealth is built.

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Previous generations saved for houses; current Gen Z views real estate as unattainable, leading to spending on 'micro-status symbols' like travel, concerts, sneakers, etc.

Previous generations saved for houses; current Gen Z views real estate as unattainable, leading to spending on 'micro-status symbols' like travel, concerts, sneakers, etc.

Sandeep Kulkarni

177,165 次观看 • 6 个月前

We're thrilled to announce the official relocation and inauguration of our new and bigger office in Wanawadi! The ceremony was a special one, graced by the presence of our valued clients. The event featured a ceremonial ribbon-cutting by my father, followed by our first few clients performing the deep prajwalan (lamp lighting) to mark the auspicious new beginning. We warmly invite our friends and fellow Punekars to visit us at our new location! Please check our profile for the full address and directions.

Sandeep Kulkarni

39,458 次观看 • 9 个月前

Active v/s Passive: Where should you invest? If you are an investor, you have to flip the question from How many funds beat the index? to Which fund beats the index consistently over a 3/5 yrs time frame? You can use rolling returns analysis to determine which fund consistently outperforms the index. Any fund that has outperformed the index for more than 70% of the time over 3/5 yrs t/f is a good fund imho. I had spoken about it in my podcast with Groww. Check it out.

Active v/s Passive: Where should you invest? If you are an investor, you have to flip the question from How many funds beat the index? to Which fund beats the index consistently over a 3/5 yrs time frame? You can use rolling returns analysis to determine which fund consistently outperforms the index. Any fund that has outperformed the index for more than 70% of the time over 3/5 yrs t/f is a good fund imho. I had spoken about it in my podcast with Groww. Check it out.

Sandeep Kulkarni

30,071 次观看 • 8 个月前

We pulled off a coup when we got 3 of the sharpest minds in the mutual fund industry to meet our clients in Pune for our Annual Investor Conclave. The lucid Aashish P Sommaiyaa, the calibrated Harish Krishnan,CFA & the incisive Sahil Kapoor. One stage. 3 experts and 150+ investors in the room. Our clients had heard a lot of noise over the past 15 months and were wondering how to tackle this uncertain environment. One evening sorted that out. No fluff. No jargon. Just three experts sharing their perspectives on navigating markets with clarity and discipline. Beyond the insights, the evening fostered meaningful conversations and stronger relationships. Grateful to our special guests for making the trip. 🙏 Every client who gave us their Saturday evening — thank you. It means a lot. 😇 And the Aksha team? Wonderful execution. Proud of you all. 👍

We pulled off a coup when we got 3 of the sharpest minds in the mutual fund industry to meet our clients in Pune for our Annual Investor Conclave. The lucid Aashish P Sommaiyaa, the calibrated Harish Krishnan,CFA & the incisive Sahil Kapoor. One stage. 3 experts and 150+ investors in the room. Our clients had heard a lot of noise over the past 15 months and were wondering how to tackle this uncertain environment. One evening sorted that out. No fluff. No jargon. Just three experts sharing their perspectives on navigating markets with clarity and discipline. Beyond the insights, the evening fostered meaningful conversations and stronger relationships. Grateful to our special guests for making the trip. 🙏 Every client who gave us their Saturday evening — thank you. It means a lot. 😇 And the Aksha team? Wonderful execution. Proud of you all. 👍

Sandeep Kulkarni

10,619 次观看 • 2 个月前

My thoughts on Mr. Burry, AI bubble & it's impact on Indian markets. Pls RT if you find it sensible.

My thoughts on Mr. Burry, AI bubble & it's impact on Indian markets. Pls RT if you find it sensible.

Sandeep Kulkarni

13,470 次观看 • 8 个月前

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