The year FY24–25 has been one of opportunities wrapped in uncertainties. Equity markets delivered subpar returns, despite NIFTY50 (the benchmark index of the National Stock Exchange of India that tracks the performance of 50 large companies) hitting all-time highs in September 2025. The markets tested the patience and discipline of investors. In such an environment, our priority was simple: take less risk and grow wealth sustainability.
Here’s how we ensured safe yet productive equity investments for our investors this year.
1. Focus on Quality, Not Hype
We resisted the temptation to chase every trend. Instead, we concentrated on:
- AMCs with a strong and clear philosophy
- Proven track records of reliable fund managers
- Resilient investment strategies that can withstand economic cycles
This helped us avoid the speculative noise and stick to funds that compound wealth steadily.
2. Multi-Asset Investing:
Diversification isn’t just about owning many funds—it’s about owning the right mix.
We ensured portfolios had:
- The next winning themes to be future-oriented
- Blend of large-cap and focused funds for stability
- Exposure to Gold, silver, and global themes for hedging risks
This kept portfolios robust and consistently rewarding.
3. Being value conscious:
Markets experienced moments of exuberance, where valuations stretched beyond their comfort zones. During such phases, we:
- Increased exposure to debt funds and low-volatility strategies
- Added selective defensive sectors like FMCG
- Rebalanced to avoid overheated segments like PSU and infrastructure funds
4. Staggered Positing Sizing:
For all clients, SIPs (Systematic Investment Plans) and STPs (Systematic Transfer Plans) were the backbone of their strategy.
This ensured:
- Rupee-cost averaging
- Avoiding lump-sum risks at market highs
- Staying disciplined regardless of short-term market movements
5. Active Monitoring
Investing requires active monitoring. We:
- Reviewed all portfolios every month to ensure allocation towards the right opportunities
- Ensured alignment with each investor’s risk profile and goals
6. Learning from the Past, Acting for the Future
Our approach in FY24–25 wasn’t just about reacting to market events—it was shaped by lessons from past cycles. We remembered that:
“It’s not timing the market, but time in the market, investing in the right asset class at the right time, that compounds wealth safely.” Final Word
Safety in equity investing doesn’t mean avoiding risk altogether—it means managing it intelligently. FY24–25 reminded us that the right combination of quality selection, disciplined allocation, and proactive management can help investors enjoy growth without sleepless nights.