Coffee Can Portfolio 2024 – List of Stocks + How To Build [Low Risk Stock Picking]

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“Compound Interest is the eighth wonder of the world. He who understands it earns it… he who doesn’t… pays it.”

Albert Einstein 

If you already know What a Coffee Can Portfolio or Coffee Can Investing is, jump right to the main topic of the blog – How to invest in the Coffee Can Portfolio.

If you’re here just to see the list of coffee can portfolio 2024 stocks, jump right here.

If there is one key learning to safe investing in the stock market, it is to buy stocks of “good companies” and hold them for long. Holding stocks for long harnesses the power of compound interest – the returns are automatically reinvested. The key thing to note is that compound interest really starts earning for you over long time periods.

We can have 100 possible definitions of “good companies” and I will cover one later in the blog. 

Here’s what I plan to cover (feel free to click on the relevant link) –

What is Coffee Can Portfolio/ Investing?

Coffee can? How does this even relate to investing?

It dates back to Old America when people would put their valuables – money, jewellery in a coffee can under the bed and not touch them for a long time and use them for large purchases or emergency. 

The implementation of the concept in today’s world is simply “buy and forget” – in other terms having a long horizon for the investment. Long term also ensures that we give these good companies complete economic cycles to show it’s performance – removing the impact of recession/ downturns/ temporary negative sentiments that result in a drop in share prices.

It was made popular by Ambit Capital and the book written by Saurabh Mukherjea, Rakshit Ranjan, Pranab Uniyal – Coffee Can Investing: The Low-Risk Road to Stupendous Wealth. As you can see in the Google Trends chart above, the popularity of the term coincides with the launch of the book in early 2018.

The co-authors since then have moved on from Ambit capital. Saurab Mukherjea and Rakshit Ranjan went on to build Marcellus Investment Managers and Pranab Uniyal joined HDFC Securities. In Marcellus, the portfolio based on this strategy has been renamed from Coffee Can Portfolio to Consistent Compounders Portfolio.

Whats so special about the Coffee Can Portfolio?

As you can see below, these portfolios have outperformed the benchmark Sensex index both on an absolute as well as on a risk-adjusted basis.

Coffee Can Portfolio Performance

How to invest in Coffee Can Portfolio?

Creating the portfolio, simplified, is a 3 step process

  1. Find good companies (stocks) – that becomes your “portfolio” for that particular year
  2. Invest in them in equal amounts and hold them for 10 years – if there are 8 companies in the portfolio and you want to invest INR 4 Lakhs, invest 50K in each of the stocks (4,00,000/8 = 50,000)
  3. Churn a few companies annually based on the “rule” (I will explain that later)

STEP 1: Find good companies

This clearly is the most important step of the whole process. For the current year, you should pick stocks that, for each of the last 10 years, have 

  1. ROCE (Return on Capital Employed) > 15% (Starting this year, in the Coffee Can Portfolio 2023, I am using ROE (Return on Equity) instead to be able to include Banks and NBFCs.
  2. Sales growth (over previous year) >10%

For each company in the Coffee Can Portfolio (valid from Apr to Mar of next year), this should hold true for each of the previous 10 years

From the list above you can add some more filtering criteria as you see below

  1. Market capitalisation > 5,000 Cr or 10,000 Cr – This would weed out the micro/ small-cap companies where there might be a risk of irregular compliance/ audit/ annual reporting/ operator influence.
  2. Recent changes made by the government that impacts the industry of the stock. For this, you will need to google search about the company and read about information from the last 12 months
  3. If there are two very similar stocks in the portfolio, you might think you picking one of them with the better results
  4. Stocks whose price is a high value – these will make it difficult to buy stocks in the same ratio e.g. ABBOTT (INR 23,171 as on the day of writing). You can keep these stocks but your SIP amounts will be quite high.

STEP 2: Invest equal amounts in them

You can use your existing broker (e.g. ICICI Direct/ Indiabulls) or can use Zerodha/ Groww or similar discount brokers.

You can invest in the portfolio for the current year (Coffee Can Portfolio 2024 as on date) multiple times.

There are three strategies you can follow –

Strategy 1: Invest once a year

This will be beneficial for investors who have a pool of money to be invested. It can be used by

  1. Salaried employees who receive annual bonus around the same time every year
  2. Reinvesting sale of an asset – can be real estate, mutual funds or other stocks

Strategy 2: Systematic Investment Plan (SIP)

You can use Zerodha’s smallcase tool for this. It lets you create a custom portfolio and track the growth and with performance respect to Nifty. The first investment has an initial value which will be based on the current stock prices and the weighting scheme you have chosen. For the purpose of Coffee Can Investing, it will be “Equi-Weighted”.

I will show how it looks in the next section where I discuss the Coffee Can Portfolio 2020. 

Here’s a detailed review on smallcase.

Strategy 3: Buy on dips 

You can decide on a rule and invest when there is a substantial dip in the market. It can be a 5% dip in portfolio in a single day or 8% dip in a week or 10% dip in a month. 

To track this you can create a watchlist on websites like Trendlyne. The stocks below are from the 2020 portfolio. You can see the CCP 2024 stocks here.

Watchlist on Trendlyne

STEP 3: Churn companies annually

Every year, after all the annual reports are out, it will be required to do fresh calculations and get the list of stocks for the particular year. The timing is a bit tricky here. Companies start publishing their annual reports in May and go on for the first half of the year. For this reason, it might make sense to invest in the current years portfolio from July to June next year.

E.g. Invest in Coffee Can Portfolio 2024 from July 2024 to June 2025 (till Coffee Can Portfolio 2025 is out).

How did I source the data to be able to create the portfolio and invest using the coffee can investment technique?

I used data from Morningstar to do the analysis using a python script. You need last 10 years sales growth and ROE for all the listed companies.

You can buy the data from multiple sources. There are companies that provide an API for the data (will be paid). You can get the data from Bloomberg terminal as well. 

If you have access to none of the above, you can create a screener on screener.in. 

This is the Coffee Cup Portfolio Screener I created using the below query

Sales growth 10Years > 10 AND

Sales growth 7Years > 10 AND

Sales growth 5Years > 10 AND

Sales growth 3Years > 10 AND

Sales growth > 10 AND

Average return on capital employed 10Years > 15 AND

Average return on capital employed 7Years > 15 AND

Average return on capital employed 5Years > 15 AND

Average return on capital employed 3Years > 15 AND

Return on capital employed preceding year > 15 AND

Return on capital employed> 15 AND

Market Capitalization > 10000 Cr

Please note that all the screeners that I could find do not follow the portfolio “rules” completely. It doesn’t guarantee sales growth > 10% and ROCE > 15% for each of the last 10 years. Instead, it has CAGR values for the last 1, 3, 5, 7, 10 years which is a much more relaxed criteria than having it for each year. e.g. Year 1 = 2% and Year 2 = 22% is more relaxed then Year 1 = 12%, Year 2 = 12%

Each stock that satisfies the “each year” criteria will also show up in the above screener. The reverse is not true. 

Having said that, you can totally use the above rule to build your coffee can portfolio. The end goal is to have a rule to get a set of “good companies”.  

For the CCP 2020, the original rule (ROIC > 15%, Sales Growth > 10% each of the last 10 years) didn’t return a single company!

Even reducing it to each of the last 7 or even 5 years didn’t return any companies.

The rule boiled down to ROIC > 10%, Sales Growth > 10% for the last 5 years and Market Capitalisation > 10,000 Cr.

Here are the stocks for Coffee Cup Portfolio 2020

(Click here for the current 2024 portfolio)

  1. Alkem Laboratories
  2. Dr Lal PathLabs
  3. Larsen & Toubro Infotech
  4. Avenue Supermarts
  5. Abbot India

I had to take Abbot India off the portfolio due to the current market price of the stock so it was not being feasible to keep these as a part of a monthly SIP. If you are looking at one-time investing or a larger value SIP, you can include that.

ROIC and Sales Growth for the CCP 2020 stocks

Digging deeper into my data, I also realised that taking just the Return on Invested Capital (ROIC) will exclude the banks and NBFC which will not be a very good idea as we are expecting a good amount of growth in these verticals. I considering Return on Equity (ROE) in my calculation.

As a I result, I started another smallcase with the following superstars! A couple of changes from the initial smallcase – this time I

  1. picked companies with >10% ROE for the last 7 instead of the last 5 years.
  2. included companies with <10K Cr Market cap

Also, I left out Bajaj Finance and Bajaj Finserv since the SIPs were becoming expensive (one can include those and maybe do a quarterly SIP).

Total money put in INR 13,752.

SIP from subsequent months were around INR 11,000.

  1. HDFC Bank
  2. CreditAccess Grameen
  3. Kotak Mahindra Bank
  4. Aavas Financiers
  5. Arman Financial Services
  6. MAS Financial Services
  7. AU Small Finance Bank
  8. Indusind Bank

The initial investment was done in November 2020 and I added SIPs every month till CCP 2021 started in June 2021.

Coffee Can Portfolio 2021

The rule that I followed for the coffee can portfolio 2021 is this

  1. Sales growth > 10% for each of the last 5 years
  2. ROE/ ROIC > 10% for each of the last 7 years

For this year, I had relaxed the condition of the market cap. For 2020 stocks, all companies had a 10000Cr + Market cap. This is to ensure that the portfolio has > 5 stocks to have enough diversification.

Unlike 2020 I plan to run one combined smallcase for NBFC + Non-NBFC stocks, which means that the initial investment will be higher (to have an equal weightage of all stocks). For subsequent months on the date of the SIP, I can choose to add an amount lesser than the original amount and the stocks will be bought in a way so that the result is as close as possible to an equi-weighed portfolio i.e. if there are n stocks and total portfolio size is p then each stock is of a value close to (100/n)%

Here are the 8 stocks for this years investment

  1. Kotak Mahindra Bank (KOTAKBANK)
  2. GMM Pfaudler (GMM)
  3. Apollo Pipes (APOLLOPIPES)
  4. Poly Medicure (POLYMED)
  5. Dr. Lal PathLabs (LALPATHLAB)
  6. Larsen & Toubro Infotech (LTI)
  7. AU Bank (AUBANK)
  8. AAVAS Financiers (AAVAS)

Out of these GMM, APOLLOPIPES and POLYMED were new entrants while the rest have continued from 2020.

The initial investment was done on June 25, 2021 and I have been adding in SIPs every 2 weeks till CCP 2022 started in July 2022.

Coffee Can Portfolio 2022

For Coffee Can Portfolio 2022, there are no stocks where for each of the last 10 years you have ROCE/ ROE > 15% and Sales Growth > 10% so I made the rule slightly lenient in order to have a list of 5-10 stocks.

  1. First I picked stocks with ROE > 15% and Sales Growth > 10% for last 5 years. This gave me 5 stocks.
  2. Then I picked ROE > 10% and Sales Growth > 10% for last 5 years, This gave me 6 more names out of which I filtered out 4 (high price of stock, sales good but profit not that great etc.). Then I was left with 2 stocks.

Here’s the list –

  1. Apollo Pipes (APOLLOPIPES)
  2. Poly Medicure (POLYMED)
  3. Dr. Lal PathLabs (LALPATHLAB)
  4. Larsen & Toubro Infotech (LTI)
  5. Alkyl Amines Chemicals (ALKYLAMINE)
  6. Lancer Container Lines (LANCER)
  7. Caplin Point Laboratories (CAPPL)

1-4 were also part of the CCP 2021.

Coffee Can Portfolio 2023

For Coffee Can Portfolio 2023, as like previous year, I made the rule slightly lenient in order to have a list of 5-10 stocks.

  1. First I picked stocks with ROE > 15% and Sales Growth > 10% for last 5 years. This gave me 12 stocks.
  2. Then I picked ROE > 10% for last 10 years and Sales Growth > 10% for last 5 years, This gave me 13 stocks.

The overlap of the above lists 1 and 2 were 9 stocks out of which I excluded Cg-Vak Software & Exports Ltd. since the Market Cap was too small. Was left with the following 8 stocks.

  1. Agarwal Industrial Corporation Ltd
  2. Ajanta Pharma Ltd
  3. Poly Medicure Ltd
  4. LT Foods Ltd
  5. Navin Fluorine International Ltd
  6. Jyothy Labs Ltd
  7. Bajaj Holdings and Investment Ltd
  8. Tata Elxsi Ltd

Only Poly Medicure Ltd was part of the CCP 2022 (and has been the top performer within the 2022 portfolio)

Initial Investment for CCP 2023: INR 60,508

Scheduled SIP: INR 15,000

Coffee Can Portfolio 2024 (* The CURRENT ONE *)

For Coffee Can Portfolio 2024, as like previous year, I made the rule slightly lenient in order to have a list of 5-10 stocks.

  1. First I picked stocks with ROE > 15% for the last 7 years and Sales Growth > 10% for last 5 years. This gave me 8 stocks.
  2. Then I picked ROE > 10% for last 10 years and Sales Growth > 10% for last 5 years, This gave me 6 stocks.

The overlap of the above lists 1 and 2 were 12 stocks out of which I excluded Prime Fresh Ltd., Shish Industries and Sigma Solve Ltd. since the Market Cap was too small (<1000 Cr). I was left with the following 9 stocks.

  1. AAVAS Financiers Limited
  2. COFORGE LIMITED
  3. Sonata Software Ltd.
  4. Poly Medicure Ltd
  5. AU Small Finance Bank Limited
  6. Bajaj Finserv Limited
  7. Ajanta Pharma Ltd.
  8. Cholamandalam Investment and Finance Company Ltd
  9. PI Industries Limited

Poly Medicure Ltd & Ajanta Pharma Ltd. were part of the CCP 2023.

Initial Investment for CCP 2023: INR 60,508

Scheduled SIP: INR 20,000

This is the link to the Coffee Can Portfolio 2024 smallcase (link will open only on the smallcase app), in case you want to invest.

How are the previous and current portfolios performing?

(as on July 3, 2024)

  • CCP 2020 (excl. NBFC/ Banks) – 15% (XIRR)
  • CCP 2020 (NBFC/ Banks) – 16.2% ⭐ (XIRR)
  • CCP 2021 – 8.6% (XIRR)
  • CCP 2022 – 23% ⭐ (XIRR)
  • CCP 2023 – 24.2% (Total returns – Yet to finish 1 year hence XIRR still not calculated). Below you can see how the individual stocks are performing)
CCP 2023 update as on 3 July 2024

Last updated on July 3, 2024

XIRR% mentioned for previous years since monthly SIPs were added after the initial investment.

How can I invest in a Coffee Can Portfolio using Zerodha Smallcase?

I created this smallcase in 2020. The minimum initial amount for this smallcase was ~INR 10,500 (at the time of writing, based on the current market value of the portfolio stocks).

As in 2023, the minimum value is 15,000.

Coffee Can Portfolio 2020 SIP using Zerodha Smallcase

For subsequent SIPs, the minimum amount is INR 11,000 (as in 2023, it is 15,000). Every subsequent amount is invested in a way that the resultant weightage between the stocks is close to the original decided (equi-weighted).

This article details how SIPs work in smallcases

Are there any alternate ways to invest in the Coffee Can Portfolio?

You are bought into the investing strategy but do not have time to do the analysis? Use a Portfolio Management Service (PMS). For this particular strategy, Marcellus Investment Managers will be my pick. The core team are the same people who made this popular in India and are constantly doing analysis specific to this investment strategy.

Along with using ROCE and sales growth, Marcellus employs a whole team to perform due diligence into companies before making it part of the portfolio.

What’s the catch?

The minimum investment is 50L and you will have to part away with a small commission that is success-based. They make money when you make money.

Conclusion

  1. Invest in “good companies” and invest long
  2. This is for investors, not traders
  3. CCPs, in their lifetime, go through multiple economic cycles. As a result, short deviances are nullified in the long term
  4. Downside of a few stocks are disproportionately overpowered by the upside in a few stocks. The maximum downside is the value of the stock (can’t go below 0) but over 10 years, a multi-bagger can grow exponentially (there is no limit)
  5. The list of stocks above will remain the same till all the annual reports are out for this financial year which will be in June/ July of next year (2025). Coffee Can Portfolio 2025 stocks will be shared post that.

Feel free to add your questions/ queries/ suggestions and observations in the comments below.

55 comments

    1. Thanks, bud! Plan to update this as and when I get more insights/ learning! Thinking of making the growth of the coffee can portfolio small case I created public – show results every month. What do you think?

  1. Great article. Was suprised that there is no company satisfying the original filters. Wondering how Marcellus’s PMS has 13 funds in it. Btw, the minimum to invest in any PMS is 50L now. I think you probably also know the list of 13 companies that he has. I’m thinking of building a portfolio with the same set, only it will be equally weighted as I don’t know his weights.

    1. The primary reason is a lot of companies couldn’t finish the last year too well. Marcellus PMS has analysts and their definition of “good companies” comprises of other complex and subjective factors. The ROCE + Sales growth formula is more for retail investors who are keen on DIY investing with not much time for analysis and also as you mentioned those with a < 50L kitty. Ideally, for a coffee cup portfolio, it should be equi-weighted so you are on the right track!

  2. thank you for your sincere endeavour. may you lsit out the coffee can multibaggars which will be very helpful for people those who are new to market. Thank you

    1. The idea of coffee can portfolio is to have 1-2 multibaggers from the list that qualifies the criteria. As I have mentioned in the article, we have picked 4 stocks. As of today (1.5 months after investment), two of the stocks (LTI and DMART) are up by 20%+ and the other two are about 5-10% high than average buying price. I plan to publish a list of stocks soon that include banking/ NBFC stocks as well (takes into account RoE instead of ROIC as taken above)

  3. hello Arijit, thanks for the inputs about CCP. Am a lazy investor: ) I noticed the scrips where you are currently investing (via SIP) are different than the ones listed on screener.in scanner. Can you possibly provide updated scanning criteria? Or can we just follow you on smallcase ( I don’t have Zerodha account yet)

    How come Asian Paints is missing ( isn’t that the darling stock of the author)?

    After SIP’s in fours stocks, you added another 8 finance scrips. Doesn’t it skew the balance?

    1. Screener was an example how you can pick your stocks. The querying on screener allows you to put a filter on 3/5/7 year CAGR growth of 10% whereas a stronger criteria is to have 10% for each of the ten previous years for which I acquired data from Morningstar and then ran my query.
      In the first round, I picked the 4 stocks based on ROIC but the issue with that is it leaves out NBFCs/ Banks so better to use ROE after which the list returned 12 stocks. Yes, it does skew the balance running them separately but combining it means the monthly SIP increases quite a lot. In case you are keen, I can help you create a smallcase using all 12.
      Asian Paints – well, ROE/ ROIC wise, its a brilliant stocks but 4 out of the last 5 years, its a single digit revenue growth and technically also its a overvalued stock. You can check Trendlyne for checking if a company is overvalued or not.

  4. With the markets down at the moment, this will be a great month to start the smallcase with the banking and NBFC stocks – most of them are on bargain (at a substantially lower price than their 52-week highs)

  5. I like coffee can portfolio too and your effort is commendable.

    “For financial services companies, ROE of 15 percent and loan book growth of 15 percent every year.”

    Your portfolio is good but bank stocks doesn’t fit coffee can portfolio.

    I check return on assets to buy banks and NBFC’s.
    I am an amateur investor too.

  6. A very simple yet detailed information about CCP stocks selection methodology. Thanks.
    Can you please provide details how to use morningstar data (or any other data api) for CCP analysis?
    Thank you.

    1. Thank you for the feedback. You need last 10 years sales growth and ROCE data for all the listed companies. ROCE isn’t available on Morningstar, so I used ROIC (Return on Invested Capital) instead – these two data points are required for each company for each of the 10 previous years. Then on the data you can put filters on MS Excel/ Google Sheets or even load the data in a database and then run SQL queries to get the stock picks. Hope this answers your query?

        1. You can run python scripts for this or get someone (freelancer) to do it for you. Upwork can be used to get freelancers.

  7. Hello Mr.Ganguly, When would the CCP 2021 list be out? Also, CCP performance data till 2016 is only visible above. Where to find the latest data from 2016-21?

    1. I have compiled the data for Coffee Can Portfolio 2021. Should be able to share it over the weekend.

  8. What a read man!!! hats off, recently I a, following saurabh mukherjea a lot and also greatly impressed by his CCI book. I have spent a complete day today replicating his portfolio but failed. But here you came and have become a daysaver. Do keep posting updates on your portfolio.

    1. Thank you! Glad you found it useful. I agree, the book is great but the execution is not intuitive. I will be sharing the coffee can portfolio 2021 soon, possibly this weekend.

  9. Say, I get 12 companies after applying the filter. How do I narrow the candidates to 5? Do I sort on some parameter or make the filter stringent?

    1. You do not need to narrow them to 5. Actually, I would say 8-12 is a good number for a coffee can portfolio. In general, you can filter on the number of years – As you see in the blog I have taken 7 consecutive years of ROIC and Sales growth. You can reduce that to 5 years.

    1. Hi Amay, I make a coffee can portfolio for every year and add to that. All the annual reports were out by July so I created the 2021 portfolio in July/ Aug and for the duration Aug 2021 to July 2022 it will be 2021 portfolio. You can add money to this lumpsum, monthly, quarterly. For this year I am adding fortnightly (this is possible using smallcase). The 2022 portfolio will be ready in July 2022. All the previous portfolio stay invested for 10 years, so the 2020 one should not be touched before 2030. Hope this answers your question?

      1. Hi Arijit, Like you mentioned that all the previous CC porfolio stay invested for 10 years, does that mean you continue making SIPs even in previous year portfolios or just stick to the current year one?
        Please clarify if previous CCP just stays idle for the rest of years or continues to stay active with SIPs?

        1. No, you do not make SIPs for the previous years. Only for the current year and all previous years remain invested.
          There will be stocks that will continue to be part of the subsequent years portfolio but you invest in them using SIPs of the current year portfolio, so the number of stocks of those stocks increase in your demat.

      1. Hello Arijit,

        Great article, thanks for sharing this, and even im not able to search this in smallcase nor im not able to find via the link, im logged in to small case in my web browser, and also tried in mobile as well didnt work.

  10. Amazing Blog!!! Very helpful! and very well explained!! The in-depth study!

    I would like to stay connected.

    [ I am unable to access the Small Case links, Kindly resend it.]

      1. Hi!, I actually tried a lot to access the Smallcase, But I am not able to do so.
        Can you please help me out with it?
        (I had Logined through Zerodha In SmallCase Already)
        But still every time I open the link, It redirects me to the Homepage?

        Your Research and analysis are really amazing!! So want to know further & Be updated.

  11. Great Article again. Have you done any changes considering the recent market corrections in Nov-Dec.
    How to access your smallcase which you shared. Not able to open those even after login

    1. The key to the strategy is not to get impacted with these short term ups and downs. Over a longer duration (5-10Y), these corrections will not matter much and simply put, you should not be timing the market. I have updated the link to the smallcase – can you try again? The name of the stocks is in the article – you can create your own smallcase if the link still doesnt open.

  12. Excellent explanation. Few things are not clear
    1) Every year you are creating new coffee can small case right.
    2) when are we supposed to sell the stocks. Is it 10 years after the creation date? Do we need to sell the entire cofee can stocks of a particular year.
    3) say for example first 5 years same company shows up in my cofee can. When should we sell this. Should we start selling 10 years after the first year? Or 10 years after the 5th year.
    Few examples for selling would.make.it more clear

    1. Answers/ comments to your questions
      1) Yes, new coffee can portfolio every year. For 2022, i will publish one around June
      2) Ideally, its for long term – so yes after 8-10 years you can sell if you need the money (else let it grow!)
      3) You can create your own policy around this – coffee can investing says “long term” – you can take that as 8, 10, 15, 20 years and for selling, one strategy can be to sell all stocks from the year. In your example, if you have Lalpathlabs for first 5 years, you will only sell the number of stocks from the first year after those complete 10 years (along with the other stocks from Year 1 portfolio)

    2. Sanjay, the same article has been updated with the Coffee Can Portfolio 2022 stocks. Enjoy and happy investing!

  13. Such a great article brother
    I tried creating my own list using these filters but was not able to find data
    Thanks for creating it for us
    Would be great if you can share the data and the python script to get the list
    Waiting for the updated list

  14. Thanks for sharing your insights and details, Arijit.

    I had a slight doubt.
    When you say churn out, what does it exactly mean?
    Do you sell off the stares of that stock and use the money for the next lot for the coming year?
    Or do you just stop the SIP for that year and keep the shares in your portfolio?

    I thought the idea is to invest for long period, so most probably it’s the second option. But wanted to confirm it. so asking it directly :).

    1. Hi Chirag, You do not sell before 10 years. When you have the 2022 coffee can portfolio ready, you just start SIP on that and stop the 2021 one. There will be similar stocks in both and you will keep on investing in them as a part of the 2022 basket of stocks. It will have some new ones (that were not there in 2021) and some missing from the 2021 one.

  15. Hi Arijit ,

    This was really helpful i have setup the small case for 2022 but it says around 34k of investment. So if is it recommended to do a monthly sip of 34k ,currently i can only try to invest 10k monthly hence is there a way to bring it to that level or just invest 34k for 2022 then forget this for the next 10 year. Kindly suggest

    1. Valred, you can start with 34K and then add SIPs of 10K (you can start with the SIPs 2-3 months later as well). Smallcase will automatically allocate funds to the stocks in a way so that the distribution in maintained over time. You will not have to manually do it.

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