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<item> <title>How 14 years of tracking investments helped me build wealth</title> <link>https://freefincal.com/how-14-years-of-tracking-investments-helped-me-build-wealth/</link> <pubDate>Sat, 20 Dec 2025 00:30:34 +0000</pubDate> <dc:creator><![CDATA[M. Pattabiraman]]></dc:creator> <guid isPermaLink="false">https://freefincal.com/?p=325611</guid> <description><![CDATA[I have tracked the amount invested in my goal portfolio for over 14 years. It...]]></description> <content:encoded><![CDATA[<figure><img src="https://freefincal.com/wp-content/uploads/2024/05/How-tracking-investments-has-helped-me-build-wealth.jpg" class="type:primaryImage" /></figure><p>I have tracked the amount invested in my goal portfolio for over 14 years. It has been a life and game-changer for my family. Whether you track your spending or not, tracking your investment amount or maintaining an investment diary is crucial.</p> <p>Today, I can invest more for retirement than my target investment. That was not the case when I started. In 2011, I noticed I was consistently investing less than the target. For several months in 2013, 14, and 15, I could not invest due to higher expenses and struggled to make up for it. For details of my portfolio holdings, see: <a href="https://freefincal.com/17-years-of-mutual-fund-investing-my-journey-and-lessons-learned/">17 years of mutual fund investing: My Journey and lessons learned</a> and <a href="https://freefincal.com/lessons-from-investing-for-my-sons-future-for-15-years/">Lessons from investing for my son’s future for 15 years</a>.</p> <p>By ‘target,’ I mean a <strong><a href="https://freefincal.com/robo-advisory-software/">thorough retirement planning calculation output</a></strong>. If you are wondering, “Why did he stop investing due to higher expenses? Why did he not use an emergency fund?” ask yourself, “How will you refill a depleted emergency fund?” “How will you handle an <a href="https://freefincal.com/perils-unexpected-recurring-expenses/">unexpected recurring expense</a>?” There are many situations in which the emergency exceeds the emergency fund.</p> <p>The <strong>number one benefit of tracking investments:</strong> You are aware of your future goals, you appreciate how much you need to invest for them, and whether or not you can invest that much, you have a target. Knowing where you stand is the first step in appreciating how far you need to travel. If you need inspiration to get started, check the personal financial audits from our community linked at the end of the article.</p> <p><strong>Number two:</strong> I often listen and re-listen to the excellent money management classic <a href="https://www.amazon.in/gp/product/9388423399?ie=UTF8&tag=rama080-21&camp=3638&linkCode=xm2&creativeASIN=9388423399" target="_blank" rel="noopener">The Richest Man in Babylon</a>, and each time I learn something new, I find a new article idea. One of the earliest known mentions of “pay yourself first”. When we track investments, we get a sense of accomplishment – that is, we find some balance between current and future expenses (the reason we invest).</p> <p><strong>Number three:</strong> When you pay yourself first (if you can), tracking expenses becomes unnecessary (IMO) and essentially an academic exercise. Budgeting is essential when money is tight, and you struggle to make ends meet. Once you can regularly find a surplus – when paying ourselves first is possible – budgeting is unnecessary. We invest first and spend the rest.</p> <p>Budgeting builds discipline and gives you insight into your personal inflation rate. Once you appreciate the importance of discipline in spending and the inflation rate, your overall portfolio has to keep pace with after-tax returns; it becomes superfluous. However, it is a therapeutic regimen for some: <a href="https://freefincal.com/what-25-years-of-tracking-expenses-taught-me/">What 25 Years of Tracking Expenses Taught Me</a>.</p> <p>If you need some assistance in this regard:</p> <ul> <li><a href="https://freefincal.com/how-to-track-monthly-expenses-efficiently/">How to track monthly expenses and manage them efficiently</a></li> <li><a href="https://freefincal.com/top-three-apps-to-manage-your-expenses/">Top Three Apps to Manage Your Expenses</a></li> </ul> <p>For someone under 30 reading this, I urge you to do everything possible to get to this position first, where you can invest some amount (any amount) regularly. This is the first step to building wealth.</p> <p>The next step is to increase the amount we can invest by as much as possible every year. Our income should increase, but our expenses should <em>not</em> grow at the same rate! Again, quoting the richest man in Babylon – <em>increase thy income!</em></p> <p>If you believe your income is low and you do not see it increasing much in the future, do everything possible to learn new skills or start a side hustle to increase your income.</p> <p>Children with financially secure parents should be told to qualify, build skill sets as much as possible, and become professionals or entrepreneurs rather than run-of-the-mill salaried guys in their early 20s. There will be a long struggle, and you cannot invest anything in your 20s or even up to your mid-30s. Still, you can easily catch up later with essential money management commonsense and higher salaries.</p> <p>The results of a retirement calculator would always look impossible to achieve (otherwise, there is something wrong with the computation!). See, for example, <a href="https://freefincal.com/lost-sleep-retirement-calculator/">We lost sleep after using a retirement calculator! This is how we recovered</a>. However, we must have the hope, perhaps even a vision, that we will earn more and invest more in the future.</p> <p>The trick to succeeding at anything in life is to work consistently without expectations or any obvious reward for our efforts. Investing systematically is a simple example of this activity. Tracking investments helps you stay on course. It reminds you of the progress you have made, or (painfully) of the distance you need to cover.</p> <p>For our family, diligent goal-based investment planning and tracking for 10-plus years have been life changers. It has transformed us from middle-class subsistence to financial freedom: <a href="https://freefincal.com/15-years-of-mutual-fund-investing-my-journey-and-lessons-learned/">15 years of mutual fund investing: My Journey and lessons learned</a>.</p> <p>This is the average rate of increase in monthly retirement investments. I lost the 2016 data due to a hard drive crash (for the last few years, I have worked entirely on OneDrive). I started investing in mutual funds in a small way in June 2008, but it was only in 2010/11 that I began proper goal-based investing.</p> <table border="0" width="128" cellspacing="0" cellpadding="0"> <tbody> <tr > <td width="64" height="19">Year</td> <td width="64">Average Rate of increase in monthly investments</td> </tr> <tr > <td align="right" height="19">2025</td> <td class="xl63" align="right">-35%</td> </tr> <tr > <td align="right" height="19">2024</td> <td class="xl63" align="right">19%</td> </tr> <tr > <td align="right" height="19">2023</td> <td class="xl63" align="right">15%</td> </tr> <tr > <td align="right" height="19">2022</td> <td class="xl63" align="right">4%</td> </tr> <tr > <td align="right" height="19">2021</td> <td class="xl63" align="right">24%</td> </tr> <tr > <td align="right" height="19">2020</td> <td class="xl63" align="right">27%</td> </tr> <tr > <td align="right" height="19">2019</td> <td class="xl63" align="right">25%</td> </tr> <tr > <td align="right" height="19">2018</td> <td class="xl63" align="right">28%</td> </tr> <tr > <td align="right" height="19">2017</td> <td class="xl63" align="right">35%</td> </tr> <tr > <td align="right" height="19">2015</td> <td class="xl63" align="right">-1%</td> </tr> <tr > <td align="right" height="19">2014</td> <td class="xl63" align="right">22%</td> </tr> <tr > <td align="right" height="19">2013</td> <td class="xl63" align="right">25%</td> </tr> <tr > <td align="right" height="19">2012</td> <td class="xl63" align="right">19%</td> </tr> </tbody> </table> <p>In 2025, due to a combination of factors, I had to help employees and extended family multiple times, so I could not invest as aggressively as in previous years. However, I still managed to exceed my 10% target year-on-year since I started. Considering that I do not have to invest any more for my long-term goals, it is ‘ok’.</p> <p>I recommend maintaining an annual investment increase of 10%, or 70-100% of your monthly expenses. This will get tougher with time, but we must try. Investing 2-3 times the monthly expenses would be necessary for early financial independence aspirants.</p> <p>In my case, it is sheer providence that I have achieved an annualised growth rate of 14.25% (the rate of increase in investments each year). My investment annualised return, that is, the rate of increase in (equity) market value, is about 16.4% (from June 2008 to Dec 2025). But it fluctuates a lot more! See: <a href="https://freefincal.com/my-retirement-equity-mf-portfolio-return/">My retirement equity MF portfolio return is 2.75% after 12 years!</a> I tracked my investments more often than I have tracked their value. So I see this as a just reward for the effort.</p> <p>Tracking investments each month for each goal has the same benefits as tracking our exercise regimen with an app or watch. It gives you some control over the controllable and lowers your fear of the future.</p> <p>Many youngsters assume that paying ourselves first would deprive us of the pleasures of life. This is not true. The sole purpose of money in our lives is to be spent for our benefit. <strong>Investing is a way to ensure we can continue to spend happily in the future</strong>. So, we need to balance spending today and developing an ability to spend the same way tomorrow. Finding this balance is personal and up to the individual.</p> <p>This is the template I used to track investments: <a href="https://freefincal.com/wp-content/uploads/2015/12/Finance-walk-monthly-planner.xlsx">Download the free monthly financial tracker</a>. Users of the <a href="https://freefincal.com/track-your-mutual-fund-and-stock-investments-with-this-google-sheet/">freefincal mutual fund and stock portfolio tracker</a> can upload this sheet to their existing Google Sheets file.</p> <h2>Need some inspiration to get started?</h2> <p>Check out some personal financial audits from readers.</p> <ul> <li><strong>First audit:</strong> <a href="https://freefincal.com/how-suhas-tracks-his-mf-investments-and-reviews-financial-goals/">How Suhas tracks his MF investments and reviews financial goals</a>. <ul> <li><strong>Update 1</strong>: <a href="https://freefincal.com/why-i-hiked-my-retirement-corpus-target-though-my-networth-doubled-since-dec-2019/">Why I hiked my retirement corpus target, though my networth doubled since Dec 2019</a>.</li> <li><strong>Update 2:</strong> <a href="https://freefincal.com/after-ten-years-of-mf-investing-suhas-is-on-track-to-achieve-his-financial-goals/">After ten years of MF investing, Suhas is on track to achieve his financial goals</a></li> </ul> </li> <li><strong>Second audit: </strong> <a href="https://freefincal.com/how-avadhoot-joshi-evaluates-his-investment-portfolio/">How Avadhoot Joshi evaluates his investment portfolio</a>. <ul> <li><strong>Update</strong>: <a href="https://freefincal.com/why-i-redeemed-from-epf-to-invest-in-equity-mfs/">Why I redeemed from EPF to invest in Equity MFs</a>.</li> </ul> </li> <li><strong>Third audit: </strong><a href="https://freefincal.com/how-a-single-mom-is-on-track-to-financial-freedom/">How a single mom is on track to financial freedom</a></li> <li><strong>Fourth audit:</strong> <a href="https://freefincal.com/how-gowtham-started-goal-based-investing-took-control-of-his-money/">How Gowtham started goal-based investing & took control of his money</a></li> <li><strong>Fifth audit:</strong> <a href="https://freefincal.com/why-my-financial-independence-early-retirement-plans-were-postponed-by-4-years/">Why my financial independence & early retirement plans were postponed by four years</a></li> <li><strong>Sixth audit: </strong> <a href="https://freefincal.com/how-abhisek-funded-his-marriage-is-on-track-to-financial-freedom/">How Abhisek funded his marriage & is on track to financial freedom</a>.</li> <li><strong>Seventh audit: </strong><a href="https://freefincal.com/how-rohits-early-struggles-defined-his-investment-journey/">How Rohit’s early struggles defined his investment journey</a> <ul> <li><strong>Update: </strong><a href="https://freefincal.com/after-5-years-of-equity-mf-investing-i-feel-confident-about-my-retirement-planning/">I feel confident about my retirement planning after five years of MF investing</a>.</li> </ul> </li> <li><strong>Eighth audit: </strong><a href="https://freefincal.com/why-my-investments-are-still-on-track-in-spite-of-job-loss-and-lower-income/">Why my investments are still on track despite job loss and lower income</a>.</li> <li><strong>Ninth audit:</strong> <a href="https://freefincal.com/how-a-retirement-planning-calculation-scared-me-to-take-action/">How a retirement planning calculation scared me to take action</a></li> <li><strong>Tenth audit:</strong> <a href="https://freefincal.com/i-made-several-investment-mistakes-but-have-turned-my-life-around/">I made several investment mistakes but have turned my life around.</a></li> <li><strong>Eleventh audit: </strong><a href="https://freefincal.com/my-net-worth-doubled-in-the-last-financial-year-thanks-to-patient-investing/">My net worth doubled in the last financial year, thanks to patient investing!</a> <ul> <li>Update: <a href="https://freefincal.com/how-i-achieved-investing-nirvana/">How I achieved investing nirvana</a>.</li> </ul> </li> <li><strong>Twelfth audit:</strong> <a href="https://freefincal.com/my-financial-journey-from-novice-to-goal-based-investor/">My financial journey: from novice to goal-based investor</a>.</li> <li><strong>Thirteenth audit: </strong><a href="https://freefincal.com/my-journey-from-negative-net-worth-to-goal-based-investing/">My journey: from a negative net worth to goal-based investing</a>.</li> <li><strong>Fourteenth audit: </strong><a href="https://freefincal.com/from-fixed-deposits-to-goal-based-investing-in-mfs-my-financial-journey/">From Fixed Deposits to Goal-based investing in MFs</a>.</li> <li><strong>Fifteenth audit:</strong> <a href="https://freefincal.com/my-10-year-financial-journey-mistakes-made-and-lessons-learnt/">My 10-year financial journey – mistakes made and lessons learnt</a>.</li> <li><strong>Sixteenth audit (part 1): </strong><a href="https://freefincal.com/how-i-achieved-financial-independence-without-mutual-funds-or-stocks/">How I achieved financial independence without mutual funds or stocks</a>.</li> <li><strong>Sixteenth audit (part 2): </strong><a href="https://freefincal.com/lessons-from-my-financial-independence-journey-and-future-investment-plans/">Lessons from my financial independence journey and future investment plans</a>.</li> <li><strong>Seventeenth audit:</strong> <a href="https://freefincal.com/how-i-plan-to-achieve-financial-independence-and-move-to-my-native-place/">How I plan to achieve financial independence and move to my native place</a></li> <li><strong>Eighteenth audit:</strong> <a href="https://freefincal.com/i-used-the-current-bull-run-to-reduce-my-mutual-funds-from-14-to-4/">I used the current bull run to reduce my mutual funds from 14 to 4!</a></li> <li><strong>Nineteenth audit:</strong> <a href="https://freefincal.com/how-a-conservative-investor-created-his-own-financial-plan/">How a conservative investor created his financial plan</a></li> <li><strong>Twentieth audit:</strong> <a href="https://freefincal.com/i-plan-to-achieve-financial-independence-by-46-this-is-my-master-plan/">I plan to achieve financial independence by 46; this is my master plan</a></li> <li><strong>Twenty-first audit: </strong><a href="https://freefincal.com/i-have-made-a-lot-of-investment-mistakes-but-am-on-course-to-financial-independence-by-45/">I have made many investment mistakes but am on course to financial independence by 45</a>.</li> <li><strong>Twenty-second audit: </strong><a href="https://freefincal.com/i-felt-worthless-6-years-ago-but-have-achieved-financial-stability-today/">I felt worthless six years ago but have achieved financial stability today</a></li> <li><strong>Twenty-third audit: </strong><a href="https://freefincal.com/my-financial-journey-was-directionless-until-age-40-this-is-how-i-made-up-for-lost-time/">My financial journey was directionless until age 40: this is how I made up for lost time</a></li> <li><strong>Twenty-fourth audit:</strong> <a href="https://freefincal.com/why-i-increased-equity-mf-investments-by-275-and-reduced-ppf-contributions/">Why I increased equity MF investments by 275% and reduced PPF contributions</a>.</li> <li><strong>Twenty-fifth audit:</strong> <a href="https://freefincal.com/how-i-track-financial-goals-without-worrying-about-returns/">How I track financial goals without worrying about returns</a></li> <li><strong>Twenty-sixth audit:</strong> <a href="https://freefincal.com/i-am-24-and-started-investing-1y-ago-but-what-am-i-investing-for/">I am 24 and started investing 1Y ago, but what am I investing for?</a></li> <li><strong>Twenty-seventh audit:</strong><a href="https://freefincal.com/how-we-plan-to-achieve-a-retirement-corpus-50-times-our-annual-expenses/"> How we plan to achieve a retirement corpus 50 times our annual expenses</a>.</li> <li><strong>Twenty-eighth audit: </strong><a href="https://freefincal.com/i-thought-equity-investing-was-a-gamble-but-now-aim-to-hold-60-equity-for-retirement/">I thought equity investing was a gamble, but now I aim to hold 60% equity for retirement</a></li> <li><strong>Twenty-ninth audit:</strong> <a href="https://freefincal.com/my-journey-from-5-lakhs-in-debt-to-building-a-corpus-worth-6-years-in-retirement/">My journey: From 5 lakhs in debt to building a corpus worth six years in retirement</a></li> <li><strong>Thirtieth audit:</strong> <a href="https://freefincal.com/my-investment-journey-from-random-purchases-to-a-goal-based-portfolio/">My investment journey: From random purchases to a goal-based portfolio</a></li> <li><strong>Thirty-first audit:</strong> <a href="https://freefincal.com/my-investment-journey-from-product-driven-to-process-driven/">My investment journey: from product-driven to process-driven</a></li> <li><strong>Thirty-second audit:</strong> <a href="https://freefincal.com/how-a-young-couple-is-trying-to-balance-travelling-and-investing/">How a young couple is trying to balance travelling and investing</a> <ul> <li><a href="https://freefincal.com/how-to-achieve-your-travel-goals-without-breaking-the-bank/">How to achieve your travel goals without breaking the bank!</a></li> <li><a href="https://freefincal.com/how-a-young-couple-tries-to-balance-their-personal-and-financial-aspirations/">How a young couple tries to balance their personal and financial aspirations</a></li> <li><a href="https://freefincal.com/how-a-couple-reached-their-desired-asset-allocation-after-starting-late/">How a couple reached their desired asset allocation after starting late</a></li> </ul> </li> <li><strong>Thirty-third audit:</strong> <a href="https://freefincal.com/my-journey-from-rs-30-bank-balance-to-financial-independence/">My journey: From Rs. 30 bank balance to financial independence</a></li> <li><strong>Thirty-fourth audit: </strong><a href="https://freefincal.com/our-journey-from-scratch-to-a-net-worth-of-18-times-annual-expenses/">Our journey: From scratch to a net worth of 18 times annual expenses</a>.</li> <li><strong>Thirty-fifth audit: </strong><a href="https://freefincal.com/from-a-net-worth-of-rs-6000-to-auto-pilot-goal-based-investing/">From a net worth of Rs. 6000 to auto-pilot goal-based investing</a> <ul> <li>Follow-up: <a href="https://freefincal.com/how-i-manage-my-goal-based-investments-in-auto-pilot/">How I manage my goal-based investments in auto-pilot</a></li> </ul> </li> <li><strong>Thirty-sixth audit: </strong><a href="https://freefincal.com/how-i-retired-from-corporate-bondage-at-46-two-years-ago/" target="_blank" rel="noopener">How I retired from corporate bondage at 46, two years ago!</a></li> <li><strong>Thirty-seventh audit:</strong> <a href="https://freefincal.com/how-i-learnt-to-keep-it-simple-and-build-a-net-worth-19-times-my-annual-expenses/">How I learnt to keep it simple and build a net worth 19 times my annual expenses</a> <ul> <li><a href="https://freefincal.com/how-i-built-a-net-worth-35-times-my-annual-expenses/">How I built a net worth 35 times my annual expenses</a></li> </ul> </li> <li><strong>Thirty-eighth audit: </strong> <a href="https://freefincal.com/how-abhineeth-plans-to-achieve-financial-independence-and-build-a-house/">How Abhineeth plans to achieve financial independence and build a house</a>.</li> <li><strong>Thirty-ninth audit:</strong> <a href="https://freefincal.com/how-sahil-plans-to-achieve-financial-independence-by-efficient-tracking/">How Sahil plans to achieve financial independence by efficient tracking</a> <ul> <li><a href="https://freefincal.com/how-sahil-aims-to-achieve-a-30-40x-corpus-in-the-next-10-years/">How Sahil aims to achieve a 30-40X corpus in the next 10 years</a></li> </ul> </li> <li><strong>Fortieth audit: </strong><a href="https://freefincal.com/my-journey-to-a-ten-crore-portfolio/">My Journey to a Ten Crore Portfolio</a> <ul> <li><a href="https://freefincal.com/analyzing-the-growth-of-my-15-crores-portfolio/">Analyzing the growth of my 15 Crores portfolio</a></li> </ul> </li> <li><strong>Forty-first audit: </strong><a href="https://freefincal.com/burdened-with-debt-for-several-years-i-am-now-aggressively-investing-in-equity/">Burdened with debt for several years, I am now aggressively investing in equity</a></li> <li><strong>Forty-second audit: </strong><a href="https://freefincal.com/from-engineer-to-librarian-after-financial-independence-and-early-retirement-fire/">From Engineer to Librarian after Financial Independence and Early Retirement (FIRE)</a></li> <li><strong>Forty-third audit: </strong><a href="https://freefincal.com/i-lost-six-months-income-in-fo-and-ditched-it-for-systematic-investing/">I lost six months’ income in F&O and ditched it for systematic investing</a> <ul> <li><a href="https://freefincal.com/how-i-learnt-that-investing-is-about-finding-the-balance-and-not-chasing-returns/">How I learnt that investing is about finding the balance and not chasing returns</a></li> </ul> </li> <li><strong>Forty-fourth audit: </strong><a href="https://freefincal.com/my-retirement-plan-to-handle-the-harsh-realities-of-the-it-industry/">My retirement plan to handle the harsh realities of the IT industry</a></li> <li><strong>Forty-fifth audit:</strong> <a href="https://freefincal.com/my-investment-journey-mistakes-10-years-of-mf-investing-and-recovery/">My investment journey: mistakes, 10 years of MF investing and recovery</a></li> <li><strong>Forty-sixth audit: </strong><a href="https://freefincal.com/my-mf-portfolio-is-worth-six-crores-in-spite-of-multiple-mistakes/">My MF portfolio is worth six crores despite multiple mistakes</a></li> <li><strong>Forty-seventh audit:</strong> <a href="https://freefincal.com/saving-investing-and-running-marathons-my-25-year-journey-to-financial-independence/">Saving, Investing, and Running Marathons: My 25-year Journey to Financial Independence</a></li> <li><strong>Forty-eighth audit:</strong> <a href="https://freefincal.com/never-too-late-to-start-how-i-became-financially-savvy-at-40/">Never Too Late to Start: How I Became Financially Savvy at 40</a></li> <li><strong>Forty-ninth audit: </strong><a href="https://freefincal.com/my-investment-journey-to-a-net-worth-29-times-my-annual-expenses/">My Investment Journey to a net worth 29 times my annual expenses</a></li> <li><strong>Fiftieth audit: </strong><a href="https://freefincal.com/how-i-audit-my-portfolio-without-tracking-returns/">How I audit my portfolio without tracking returns</a></li> <li><strong>Fifty-first audit</strong>: <a href="https://freefincal.com/financial-lessons-learned-during-and-after-a-phd/">Financial Lessons Learned During and After a PhD</a></li> <li><strong>Fifty-second audit:</strong> <a href="https://freefincal.com/investment-financial-journey-of-a-23-year-old/">Investment & Financial journey of a 23 year old</a></li> <li><strong>Fifty-third audit:</strong> <a href="https://freefincal.com/the-system-i-use-to-draw-income-and-spend-after-retirement-securely/">The system I use to draw income and spend after retirement securely</a></li> <li><strong>Fifty-fourth audit: </strong><a href="https://freefincal.com/from-start-up-employee-to-millionaire-a-success-story-of-resilience-and-smart-investing/">From Start-Up Employee to Millionaire: A Success Story of Resilience and Smart Investing</a></li> <li><strong>Fifty-fifth audit:</strong> <a href="https://freefincal.com/25-year-old-software-engineers-investment-journey-from-stocks-to-mutual-funds-and-beyond/">25-Year-Old Software Engineer’s Investment Journey: From Stocks to Mutual Funds and Beyond</a></li> <li><strong>Fifty-sixth audit:</strong> <a href="https://freefincal.com/crossing-the-million-mark-our-journey-to-the-first-crore/">Crossing the Million Mark: Our Journey to the First Crore</a></li> <li><strong>Fifty-seventh</strong> <strong>audit:</strong> <a href="https://freefincal.com/navigating-market-volatility-how-an-it-professional-transformed-his-investment-approach-for-retirement/">Navigating Market Volatility: How an IT Professional Transformed His Investment Approach for Retirement</a></li> <li><strong>Fifty-eighth audit: </strong><a href="https://freefincal.com/how-sahil-achieved-a-10x-retirement-corpus-by-efficient-portfolio-tracking/">How Sahil achieved a 10X retirement corpus by efficient portfolio tracking</a></li> <li><strong>Fifty-ninth</strong> <strong>audit</strong>: <a href="https://freefincal.com/how-i-achieved-financial-freedom-by-45-without-onsite-assignments-or-esops/">How I achieved financial freedom by 45 without onsite assignments or ESOPs</a></li> <li><strong>Sixtieth audit: </strong><a href="https://freefincal.com/building-wealth-on-a-government-salary-lessons-learned/">Building Wealth on a Government Salary: Lessons Learned</a></li> <li><strong>Sixty-first audit: </strong><a href="https://freefincal.com/minimalism-index-funds-and-staying-calm-my-investing-journey-at-28/">Minimalism, Index Funds, and Staying Calm: My Investing Journey at 28</a></li> <li><strong>Sixty-second audit: </strong><a href="https://freefincal.com/building-wealth-and-breaking-barriers-how-swati-took-control-of-her-financial-future/">Building Wealth and Breaking Barriers: How Swati Took Control of Her Financial Future</a></li> <li><strong>Sixty-third audit: </strong><a href="https://freefincal.com/my-financial-journey-how-i-missed-the-compounding-bus/">My financial journey: How I missed the Compounding Bus!</a></li> <li><strong>Sixty-fourth audit:</strong> <a href="https://freefincal.com/my-mf-investment-journey-from-thematic-funds-to-a-3-fund-portfolio/">My MF investment journey: From thematic funds to a 3-fund portfolio</a></li> <li><strong>Sixty-fifth audit:</strong> <a href="https://freefincal.com/from-debt-to-%e2%82%b91-crore-liquid-net-worth-my-journey-of-financial-awareness/">From Debt to ₹1 Crore Liquid Net Worth: My Journey of Financial Awareness</a>.</li> </ul> <p>These published audits have had a compounding effect on readers. If you would like to contribute to the DIY community in this manner, send your audits to freefincal AT Gmail. You can also publish them anonymously.</p> <p>The post <a href="https://freefincal.com/how-14-years-of-tracking-investments-helped-me-build-wealth/">How 14 years of tracking investments helped me build wealth</a> appeared first on <a href="https://freefincal.com">freefincal</a>.</p> ]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">325611</post-id> </item>
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