What if investing could be both simple and superior?
Since Jan’21, I have been running a live portfolio (PTQ3FY21) with a very clear objective:
👉 Can a rule-based, low-maintenance approach outperform the benchmark sustainably?
No noise. No constant tracking. No complexity.
The Framework (in simple words):
- Universe: Nifty 100 (including those that moved out later)
- Allocation: ~Equal weight (≈ ₹1 lakh per stock)
- Approach: Value vs Price (not charts, not flows)
- Action Cycle: Post quarterly results
- Profit Booking: Only 50%, typically in 5–7% range
- Balance Holding: Allowed to run, guided by next assessment
- Fresh Buying: Only at predefined lower value levels
- No stop-loss, no overtrading, no re-entry bias
👉 In essence:
Discipline over activity. Process over prediction.
What makes it different?
Most portfolios and funds:
- Stay almost fully invested
- Rarely book profits
- React to market movements
This one:
- Books profits systematically (but partially)
- Retains exposure to winners
- Deploys capital only when value emerges
- Lets unfilled opportunities remain unforced
The Outcome (so far):
- Consistent compounding (~19% XIRR range)
- Outperformance vs benchmark over time
- Lower behavioral stress
- No dependence on market direction
👉 And importantly:
Dividends are NOT even considered in returns here
(unlike mutual funds which include them)
The Real Edge
This is not about finding “multibaggers”
This is about building a repeatable system that:
✔ Locks gains regularly
✔ Keeps upside alive
✔ Avoids emotional decisions
✔ Maintains balance automatically
Why it works
Because it quietly combines:
- Value discipline
- Partial profit booking
- Equal allocation
- Periodic reassessment
👉 Without constant intervention
Final Thought
In markets, complexity often disguises inconsistency.
Sometimes,
Simple rules, applied consistently, can outperform sophisticated chaos.
Happy to share more insights as this journey continues.
#Investing #ValueInvesting #PortfolioStrategy #WealthCreation
Panch Tattva Wisdom 
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