Rule 01
A red week is not a signal to leave
15 sessions decided two-thirds of the 26-year wealth. They arrived unannounced, mostly inside weeks that felt like the world was ending. The drawdown IS the setup for the best days.
Rule 02
The ride is the price of the return
13.7% CAGR came packaged with 2008, COVID, every tariff headline and FII sell-off. The return IS the compensation for not leaving. Removing yourself from the drawdown also removes you from the snap-back.
Rule 03
Automate the discipline
If staying invested is the biggest driver of wealth, then the biggest risk is your own behaviour during a panic. A systematic framework with a fixed rebalancing calendar takes the sell decision away from the moment it feels most tempting.
The market was open 6500 days. Rs 1.87 crore of the final corpus was decided by 15 of them. The bet against staying invested is not cautious. It just looks that way.