Topic Details

https://freefincal.com/feed/gn

Last successful fetch

Thu, 12 Feb 2026 00:30:42 +0000

Last ping

Thu, 12 Feb 2026 00:30:41 +0000

Last fetch error

Wed, 21 Jun 2023 20:09:11 +0000 (HTTP 504)

Aggregate statistics

0 fetch request(s) per second to freefincal.com, 0% errors, based on latest 300 seconds

Last item retrieved

Content received

Thu, 12 Feb 2026 00:30:43 +0000

<item>
				<title>If you want to build wealth, don&#8217;t wait for the right time to invest!</title>
				<link>https://freefincal.com/if-you-want-to-build-wealth-dont-wait-for-the-right-time-to-invest/</link>
				<pubDate>Thu, 12 Feb 2026 00:30:20 +0000</pubDate>
								<dc:creator><![CDATA[M. Pattabiraman]]></dc:creator>				<guid isPermaLink="false">https://freefincal.com/?p=237548</guid>
					<description><![CDATA[Several investors often ask if they should stop their investments and wait for the market...]]></description>

				<content:encoded><![CDATA[<figure><img src="https://freefincal.com/wp-content/uploads/2026/02/The-first-ten-years-of-my-mutual-fund-investing-journey.webp" class="type:primaryImage" /></figure><p>Several investors often ask if they should stop their investments and wait for the market to cool down or pick up after a sideways market. Or they are waiting for the right time to invest a lump sum or start a sip.</p>
<p>Our short answer is: If you want equity to change your life, don&#8217;t waste time and invest now! Don&#8217;t stop your investments because of market-related noise! Don&#8217;t wait for the right time to invest. That will never come. Whatever way you invest, irrespective of the time, losing and gaining are part and parcel of the market fabric. The only way to escape losses is also to escape gains. So investing without wasting time and getting used to the losses is better.  The Bigger loss is the time wasted wondering what to do. That cannot be recovered.</p>
<p>Even if we buy into the (incorrect<span ><strong>*</strong></span>) belief that &#8220;over the long term, the stock market will move up always&#8221;, equity investing is like climbing an unknown, uneven staircase; we do not know how wide each step is, and we do not know when we will see the next step (ignoring the potholes within each step),<span ><strong>*</strong><strong> </strong><span >See: </span><strong><a href="https://freefincal.com/stock-market-always-moves-up-in-the-long-term-but-returns-move-up-and-down/">Stock market always moves up in the long term, but returns move up and down!</a></strong></span></p>
<p>The stock market is like a mercurial batsman (e.g. Sehwag). It can explode to provide magical life-changing returns (e.g. from 2003 to 2008; 2020-2022) or can go through a slump for years (the Sensex was flat for ten years after the Harshad Mehta scam<span ><span >) </span></span></p>
<p>So, the secret behind successful stock market investing is to start early and keep investing. When the bumper returns arrive, your life could change. Accumulate as much market-linked capital as possible to benefit from an upswing.</p>
<p>So everyone is waiting for such a return in one way or another and timing the market! See: <a href="https://freefincal.com/why-time-in-the-market-is-not-different-from-timing-the-market/">Why &#8220;time in the market: is not different from &#8220;timing the market&#8221;!</a></p>
<p>As I keep saying, we are all victims of our good and bad experiences, and so am I. Again, with the benefit of hindsight, I consider myself lucky to have started my journey with equity mutual funds when the markets were crashing in 2008, and this gave me no returns for the next five years. No, I did not buy the dip! I started with a SIP of Rs. 1500.</p>
<p>During these years, I was investing like crazy (quite unaware of anything happening around me). When the market started moving, I had to rub my eyes in disbelief to see my gains. My daily profit was equal to my monthly investment amount. See the chart below.</p>
<figure id="attachment_337855" aria-describedby="caption-attachment-337855"  class="wp-caption alignnone"><a href="https://freefincal.com/wp-content/uploads/2026/02/The-first-ten-years-of-my-mutual-fund-investing-journey.webp"><img fetchpriority="high" decoding="async" class="size-full wp-image-337855" title="The first ten years of my mutual fund investing journey" src="https://freefincal.com/wp-content/uploads/2026/02/The-first-ten-years-of-my-mutual-fund-investing-journey.webp" alt="The first ten years of my mutual fund investing journey" width="1280" height="720" srcset="https://freefincal.com/wp-content/uploads/2026/02/The-first-ten-years-of-my-mutual-fund-investing-journey.webp 1280w, https://freefincal.com/wp-content/uploads/2026/02/The-first-ten-years-of-my-mutual-fund-investing-journey-300x169.webp 300w, https://freefincal.com/wp-content/uploads/2026/02/The-first-ten-years-of-my-mutual-fund-investing-journey-644x362.webp 644w, https://freefincal.com/wp-content/uploads/2026/02/The-first-ten-years-of-my-mutual-fund-investing-journey-768x432.webp 768w" sizes="(max-width: 1280px) 100vw, 1280px" /></a><figcaption id="caption-attachment-337855" class="wp-caption-text">The first ten years of my mutual fund investing journey</figcaption></figure>
<p>This is the year-on-year increase in my investment. Notice that by sheer luck, the huge investment increase coincided with the portfolio&#8217;s sideways movement.</p>
<p><img decoding="async" class="alignnone" src="https://freefincal.com/wp-content/uploads/2018/06/10Y-portfolio-inv-cagr-2.jpg" alt="best time to invest in equity is when there is a sideways market" width="1147" height="627" data-wp-editing="1" /></p>
<p>Note: The amount I invest each month has continuously increased. The chart above shows the increase in investment relative to the initial investment.</p>
<p>Read more: <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>.</p>
<p>.Two events changed my social station. The late 2013 bull run took me to the threshold of financial independence. We shall define this as 30X or 30 times current annual expenses. This means a corpus will last for 30 years if the inflation rate is the same as the rate of return.</p>
<p>The 2020-2022 bull run strengthened the financial independence (FI) status. During this time, my annual expenses increased by about 50%. The FI status is not yet cemented because 60% of the capital is (equity) market-linked, and any crash and/or poor sequence of returns can change it.</p>
<p>That aside, the key point is that the <strong>corpus grew only due to systematic investing <em>regardless of market levels </em></strong>and an aggressive increase in investments yearly. The rate at which my investments grew is higher than the market-linked return. See <a href="https://freefincal.com/why-increasing-investments-each-year-is-crucial-for-financial-freedom/">Why increasing investments each year is crucial for financial freedom</a>.</p>
<p>Many people naively believe that wealth is built with returns. Nothing could be further than the truth. Wealth is built with money. You need money to make money, So young earners should focus on skills that will increase their income.</p>
<p>So please do not worry about missed opportunities or right or wrong time (the equity market occasionally offers plenty of good and bad experiences). Do not worry about where the market is currently heading.</p>
<ol>
<li>Be clear about your goal.</li>
<li>Choose a suitable asset allocation.</li>
<li>Invest as per that asset allocation like a machine.</li>
<li>Increase investments as much as possible.</li>
<li>Learn how to manage risk in your portfolio in a goal-based manner.</li>
<li>Rebalance your portfolio at least when the deviation in asset allocation is 5% or more.</li>
<li>Systematically reduce equity exposure well before you need the money.</li>
<li>Once you start, portfolio maintenance should take 30 minutes a year (yes, a year!).</li>
</ol>
<p>You can use the <a href="https://freefincal.com/robo-advisory-software/">freefincal robo advisor</a> to create a complete financial plan and get started.</p>
<p>The post <a href="https://freefincal.com/if-you-want-to-build-wealth-dont-wait-for-the-right-time-to-invest/">If you want to build wealth, don&#8217;t wait for the right time to invest!</a> appeared first on <a href="https://freefincal.com">freefincal</a>.</p>
]]></content:encoded>
		<post-id xmlns="com-wordpress:feed-additions:1">237548</post-id>			</item>