Normal SIP Vs Buy on Dip SIP | Best Returns from Mutual Funds & ETFs

0:00 Do you do SIP in stock market ? If you do SIP then you must listen very carefully. The money that is going to grow by doing your SIP and if you had been doing SIP for the last 10 years, how much your money would have grown, I have all this data today. Look here, I have practiced it myself. Here we are going to show you the data from 2015 to 2025 that would have happened if you had been doing SIP in the last 10 years. Every month see how much money you would have made if you had invested ₹1 lakh on the first of the month. And you will be surprised to know that this money can be made a little more and would have been made even more in the last 10 years if you had

0:48 followed the strategy that I follow myself, this is my strategy which I am calling Drop Trades, this is my strategy and here it is a normal SIP. So one is your normal SIP which you are doing which you have been hearing about till now and the other is our modified SIP. So what did we do in modified SIP ? It cost less money in the beginning but then I am going to show you how it made more money. So look here, this is a simple SIP strategy. Where we go on the first date of the month and invest ₹ 1 lakh in Nifty. Right now I am talking only about Nifty data. And these SIPs are done in Nifty because till now I have explained to you about ETF ETF ETF SIP. So this is not a SIP in mutual funds. This is a SIP in ETF

1:34 and our strategy is also in ETF. So right now you are going to get better results from mutual funds. But you are going to learn a lot which you may not even know yet. So here's what we did? We invested ₹1 lakh every month in SIP for 10 years. How much total amount did we invest, look here 1 crore 26 lakhs 1 2 3 4 5 okay, there are five zeros, ₹1 crore 26 lakhs, you have made the investment totally okay, after that how many units of ETF did you get 98604 you got units of Nifty 20, so here you must be seeing these units, so many units are coming to you every time you are investing and after that the value of your portfolio has become

2:20 zero. In 10 years, you invested Rs 1 crore 26 lakh and your portfolio size has reached Rs 2 crore 74 lakh. If you have not realized your unrealized PNL yet, it would be running at ₹ 148 lakh. Meaning you would have made a profit of ₹ 148 lakh. So if you look return wise, your portfolio would have been up by 117%. And if you talk about CAGR returns, it is only 7.71%. Meaning 7.7, these people who make videos on the internet talk about 12%, 15% and say that Nifty is giving a return of 15%. Nifty is giving a return of 12%. So this 7% is a return of 7% in 10 years. Infact let me show you this. It is

3:06 not that there is some magic in my strategy. My strategy has 9.81%. Now you will say that CAGR return is 9.81, so are those who say 1215 lying? No no, he is not lying. You will have to understand it actually. There are two types of difference. Let me show you what the difference is. You go to Google. First you write CAGR vs xIRR. So CAGR means Compounded Annual Growth Returns which we calculate on lump sum investment. So what is this compound annual growth rate coming to ? This is coming to you, if you invest one crore at one time on lump sum investment, then what will you see, what is my capital ? What is my CAGR? But if you are investing money every month, then you

3:54 calculate the Extended Internal Rate of Return which we call XIRR. Now how is that calculated? Let me show you this. So you go to Google. You simply write XIRR calculator. Open any calculator that comes in front of you and what do you have to do after that? First of all you will have to enter the dates. When did you start and when did you finish? So our data is from 2015, from a certain date and we are talking about a certain date, we have taken the data till 2025. Now how much money were we investing yearly or monthly? Now we were investing ₹1 lakh monthly. We deposited ₹1 lakh. So where does our final portfolio value end up ? ₹ 74 crore at Lax. So I am writing here your ₹ 1 lakh per month

4:39 adding up to ₹ crore 74 lakhs. 1 2 3 4 5 Now see how much are your XIR returns ? 16%, you have to understand that when you do SIP, you invest the money gradually. So in this, your rate of return which you want to find out is calculated as xIRR instead of CAGR and it is coming out to be 16%, meaning Nifty has given you xIRR returns as per 16%. Your portfolio size has grown accordingly. But but if you look similarly here, I am showing you one thing in which my strategy is a little different. We are not investing ₹1 lakh in it at one go. Now see, sometimes we are investing Rs. 19,000, sometimes we are investing Rs. 4,000 and

5:26 look carefully at the money we are investing, here the dates are different. Meaning now the month is the same. Firstly, in your first month, only three investments were made, one on the 6th, one on the 13th and one on the 30th. So here in the second month, investment has been made five times, 1, 2, 3, 4, 5. And that too for how much ? 4000 10000 5000 13000 So what are we doing? We are investing ₹1 lakh at one place at one time. And what is going on here ? I am not able to understand this. Sometimes it costs ₹19,000. Sometimes it costs ₹1,000 here. Sometimes it costs ₹9,000. What is this happening ? I am going to explain the entire mathematics to you. Ok? Understand this very carefully. Here you can see the invested amount. 1 crore 29 lakh and what was there here? 1 Crore 26 Lakhs. That means there is a difference of almost Rs 2-3 lakh. There is a difference of Rs 3 lakh in the invested amount. How much difference is there in butt returns

6:13 ? Here you are getting 2 crore 74 lakhs. My strategy is making 3 crore 46 lakhs. What is it? Here, there is not a big difference between Rs 2 crore 70 lakh and Rs 3 crore 45 lakh. Can such a big difference occur? Because here the return is coming of 166%. Your unrealized PNL is running here at 2 crore 16 lakhs and here it is running at 1 crore 48 lakhs. So this is a huge difference. If we look at this, here there is a difference of almost 56 lakhs. So, why is there a difference of Rs 56 lakh and what difference is created by the CAGR of 9.81% here, I will

6:59 show you. So here what we were seeing is that the xIRR returns that we were seeing through normal SIP were coming to 16%. Now look here how much it will become with my strategy. So if the portfolio size reaches 346 lakhs, then I write 346 here and your return becomes 20% 20%. So this is insane. Now that we have completed the backtest. So now we can share the strategy with you. So first of all you have to understand that if you are doing normal SIP in mutual funds, then you will find the expense ratio higher in mutual funds. Exit load is also being charged. That is not calculated here. Ok? Second thing, here right now we are talking only about ETFs. So both are ETFs. So what is the strategy in ETF

7:45 ? Let us understand now above the board. So when we are talking about ETF investing, you invest in ETF, do SIP in mutual funds, then when people do SIP, they do not understand that where are they doing SIP, you are doing SIP in equity market, now our equity market which is share market, what does risky mean, is it risky, we are scared, if there is risk then there is love, well dialogues sound very good but the meaning of risk is that if you start investing money from today. It is not necessary that you will definitely get returns. Whenever you do SIP in mutual fund, a disclaimer comes. Mutual fund investments are subject to market risk read all scheme

8:30 related documents carefully. Meaning, if the market corrects, you may see negative returns and if you need money, you will have to sell your goods at a cheap price, which may incur a loss. So because the equity market is risky. I wanted to reduce the risk a little bit and what did I do for that? I will do SIP and invest the money but not all in the equity market. Meaning, I will not invest all the money in equity market but in day market also. Now what day is this? Simply understand the meaning of dept is investing money on interest. Now how do we lend money on interest ? You understand the matter. There are many day instruments. When I am talking about ETFs,

9:16 I refer to ETFs. Example: You invest money in Gilt Beas. Now you will get gilts for five years as well as long term. These are government securities. Generally you see their returns around 6%. But just now it has given 12% in the last one year. So the returns have been very good in the last one year. But generally it does not happen like this. You will keep getting 1/2% return per month. So what are we doing now? What are we doing in my strategy? I am thinking in my mind that we are doing SIP of ₹ 1 lakh only. But what is my rule about that? Please understand the rule. What did you guys do directly? Took ₹1 lakh and invested it directly in the equity market. What did I do? I made a rule for myself and I am telling you that rule which we just practiced. If

10:04 the market falls by 1%. First of all, I will invest money only when the market falls. When the market grows then I will not invest money. When the market falls by 1% and Nifty goes negative by 1%, I will just buy Nifty 20 for ₹8,000. Ok? I will buy Nifty 20 near ₹ 8,000. Now if you say it falls by half% then for how much will you buy it? What you are seeing is 4000, if the market falls by 5% then I will buy Nifty 20 for only ₹4,000. If the market falls by 2% then I will invest ₹16,000. Now you will say, how will the market fall so much in a month? Twice, thrice, four times,

10:49 five times. You will be charged only five times in the entire month. are you right? It will cost me money only five times because I want to invest only five times. I only want to buy when the market falls. So you will say that the market does not fall like this and will keep falling like this. The market goes up and then it falls. The market goes up and then it falls. So my investment is happening down here down down. I know this too. But my investment is happening even when it is going up. But the SIP guy is also getting the upper hand. How would he know what is happening down there. I am putting my money on it falling. But that saves me money. Suppose ₹1 lakh was to be invested in the entire month. I invested only ₹50,000. So at the end of the month I check how much balance I have left. Now it is ₹00 left. I invest that entire ₹100 in 6%

11:37 instruments where I am getting fixed returns. So now it is clear that 6% will come. The money I invested in it will earn 6%. If it is government security then the risk is almost negligible. There is no risk. So, in the risk space, I am investing money when the market is falling. And until I get a big opportunity, I am investing my money in gilt. You will say but a time will come when the market will fall a lot. When the market falls too much, I will tell you what my rule is. I will ask the editor here to show you on the screen. To simplify it a bit, we have followed one indicator which is Super Trend. So, I will place the Super Trend on the Nifty chart and I will place it first on a weekly basis and

12:24 then I will place it on a monthly basis. So the first thing the editor will show you is when we apply the Monthly Super Trend. No settings need to be changed. The setting of 103 should be kept by default. So in that you will see a line that when the market is moving then Super Trend shows green from the bottom. There is a green colored line and when it is red then there is a red colored line on top. Anyways as long as you see that the market is following the green trend. We will keep our investments low. How much has it reduced ? This is ₹ 8,000 at the rate of 1%, which I am keeping. This was for a person like you who has ₹1 lakh. If you say I can afford a SIP of ₹10,000 per month then you automatically convert this ₹8,000 to

13:12 ₹800. Because you see how much you want to invest per month. You should invest only 800. This is what I will say. You think I can invest Rs. lakhs per month? So you make it ₹16,000. You can change it as per your requirement. I have done this back test myself. So if you want, you can make changes as per your requirement. Now what next ? I noticed that the super trend which is made by Nifty at the top, this super trend line which the editor will show you is approximately 7 to 8% away from it. Ok so this is exactly what happened in the back test, as soon as Nifty came down, this was our rule number one. As soon as Nifty

13:58 falls more than 8% from its all time high to below 80. After that we will increase the quantity. Now if it goes down by 8%, it means it has broken the super trend of the weekly. As soon as the weekly super trend is broken, we will multiply our investment by 2.5 times. I will do it 2.5 times. So earlier I was investing Rs 8000, so what will I do now? I will invest ₹00. Meaning if Nifty falls by 1% then we will invest ₹0000 and accordingly I will invest on daily basis. If the market falls then only it will go up, otherwise not. Ok. So, we made this a rule. But when it breaks its monthly trend, we have seen that generally when we look at the monthly trend, it falls about 20% from the top. There is a

14:44 fall of 20% and if the market is going below that then it is an opportunity. Because if you look at the history, whenever the market has gone below monthly it has created a very good opportunity there. We do n't know the bottom of the market and how much it will hit. So we will accumulate there. what shall we do now? The money that I invested in gilt, I invested in debt, I will sell that and invest in equity. But when will I do it? When the market falls. As long as the market doesn't crash, I keep investing small amounts of money. I am walking slowly. Look, let me tell you a reality. You must have heard the name of Warren Buffett's business partner Charlie Mangal. But you know what Warren Buffett started, he had another business partner. But nobody knows about that. Do you know why? Because he wanted to become rich quickly. He had to make money quickly and he got out.

15:32 He took leverage and incurred losses. Look, Warren Buffett says there are three things you should stay away from. Number one L is lady meaning extra lady in your life. Second leverage. You have to take minimum leverage. And number three is liquor. One should stay away from alcohol. Here Warren Buffett and Charlie Munger say that we knew from the beginning that we were going to become rich. We knew from the beginning that we were going to be rich. So, when becoming rich is inevitable, then why the hurry? But I gave it to a man quickly and he went out of the market. So that is why Warren Buffett says that the stock market is an instrument to take money from impatient people and give money to patient people. I do

16:17 n't want to get rich quick. But I know this much that I have to make a lot of money in life from the stock market. So I am ready to move slowly. Now when the market breaks the monthly trend then I will 10 times my investment. 10 times 10x means where earlier I was investing ₹ 8,000. Now if the market falls by 1%, I will invest ₹ 80,000. Ok? Now you will say where will this ₹80,000 come from? Because if the market falls too much then it is possible that an investment of Rs 3 lakh to 4 lakh may be made in that month. So the money that I was saving on the first day, I was saving it for this time. It was not like that, that money was not giving me returns. But that money was invested here. Now let me tell you something amazing. In the

17:03 back test that you just saw, I have not considered the daily return. Did you see, there was a return of 20%. The entire time my money was free when I was not investing. Then that money was giving me interest. Ok? So that return was an extra return and that was a bonus for you. Ok? If you feel like this system is good. If you think, no no friend, SIP is good brother, we will do the same. Keep doing it. I am telling you the truth. Today I am 30 years old. There will come a time when I will be 80 years old. Isn't it? So in these 50 years of mine, I am going to follow the same system , I am going to do this. And I know this system is going to make me very rich. Slowly there is no problem. But this is inevitable. Brother, it is confirmed that the plane did not crash, you will

17:51 make a lot of money. And I will teach this same system to my children also. Now this will be just an investing system. Then we also have a triple compounding system on which we do webinars. There will be a form in the description and comment, please fill it. So you can get a chance to meet me every Sunday. I conduct free webinars in which you can come and talk to me. You can also ask questions. Ok? Please fill up that form. So what are we doing inside this system? We are making money slowly, slowly. So now if you understand it this way, then what are we doing? Market is going up no investment. The market is coming down right. Make investments. The market fell further, invest again. The market fell further, invest again. Market grew, no investment, market increased, no

18:38 investment, then it fell, yes investment, then market grew, increased, big increase, no investment, then there was a crash in the market, a big crash came in the investment market, big, big investments, then the market rose, no investment, market fell, investment and in the process, whenever it goes down, my investment is being made here. So what is happening with this, we call it dollar cost averaging or if you say rupee cost averaging then we are also doing rupee cost averaging. This is the system I am following till now according to me. This is one of the finest systems which have given me full glory in the market for four years and I can say that now it is 4 years old. So this is the system that I was able to develop in four years based on my best understanding.

19:23 And these people cannot do it even in 40-40 years. That means we live it from morning till night in the market. Right? We live the market. In the evening you watch commodities all the time, crypto trading is going on as well. But I will just show you my system. You will see it full-fledged in the upcoming videos, friend. PNLB I am going to reveal everything. you will have fun. I know there are restrictions in the Indian market. But inside crypto we will tell you a system. Meaning, it will leave you stunned. You are going to have a lot of fun in the upcoming videos. If you are also interested in crypto trading, there are free webinars for that too. You will get the link to the Google form for crypto as well. Please fill that as well. And if you want to trade in crypto then you can go to Delta Exchange and open your account for free. You can trade crypto options there. There is daily expiry there. So if you want to trade in crypto,

20:08 trade in crypto options, let me tell you something amazing. You get more leverage here. But you have to remember what Warren Buffett said. There is leverage up to 200x. Meaning you can trade for Rs 2 lakh by investing ₹1000. But what did Warren Buffett say? If you want to get rich quickly then you will be out of the market and in the crypto market too, people who want to get rich quickly are getting out. But don't worry, I will share with you my system. I will show you exactly. I started trading crypto almost probably after January. What have been the results from January till now ? What mistakes were made? We will share everything. And there is one thing that no one shows, I will show it to you. What was the fee? And how did we reduce the fees? What kind of setups are running right now. How is positional trading going? Whoever is my PNL on Delta Exchange I am super excited, will share everything with you but first learning is easy

20:55 I do n't want to influence you guys, I don't want to influence you for anything, I just want to educate, there are a lot of influencers, I want to become an educator so that I can show you the right direction and tell you things, I made a mistake, I learned from my mistakes, no one taught me crypto trading, what I know is option trading, very few people work in options in crypto and I am right now telling you the right ones which are becoming profitable systems. They are being made only as options. I will share it with you. Meaning in futures I will show you what fees were charged. That is chaos. Ok? So be super excited. For now, the system that we have told you for ETF is to buy on dips. And if you still say that I cannot buy it every day, then I can tell you a better system. Look, let me give you a rule. It is very simple. First of all,

21:41 this rule is for those people whom you see in this way. If you are working then what should you do? Suppose you had to invest ₹ 00 every month, then the market generally opens for 20 days. You should invest ₹1000 daily. Now when to invest ₹1000 ? When the market falls. If the market is going up, going up, going up, then assume that for one, two, three days, it means the market went up continuously for one, two, three days. If you have saved ₹3,000, then invest your total ₹4,000 there the next day the market falls. So this is for the job. And if you are doing some kind of a business where you know that you can make some more money out of your business. So when the market falls by 1% you can follow this rule of ₹ 8,000. Both the rules are very good. So if you

22:27 want back testing of this system as well, that is, if you were investing ₹ 10,000 in this manner and putting the money together on the dip, then you have to write about back testing in the comment. In the upcoming videos I will show you the complete back testing of this system as well. I have already shown this to you. So let's go to the screen now. So now you understand that the SIP we are doing in ETF , we are not doing it all at once. We are doing it in pieces. We are not investing big money at one time. We are investing money slowly. But now many of you will also say that we don't have time. We can't see it every day. So you continue doing normal SIP. There is no problem. Even if you keep investing money every month, the returns will still come. But if you look at just a little, just a little, you can set an alarm on your phone. At 3:00 , 3:15, you have to check the market once and make the investment. If you

23:13 do this, a difference of lakhs and crores of rupees is created over the time. If you want to do it, if you feel that no brother I don't want to see it at all, whatever is being deducted will keep on getting deducted, then you can also do SIP in mutual fund or in TF. It does n't matter to me. The only thing that matters to me is that if a person wants to earn more money, he should know the way. Today I told you the way. That is what matters to me. Now even if you have lump sum money, I would say not to hurry to jump into the market because if the market falls by 10% - 20% from here, then suppose you were investing Rs 1 crore, you will directly see a loss of Rs 20 lakh in your account and a new person does not want to see that loss in his account, so what you should do, keep your money in safely dead instruments and slowly withdraw money from day to day and keep investing money when the market is falling.

23:59 Second thing, if the money runs out then you earn every month. If you are earning money regularly then you can invest regularly. If you ever feel that now I am going to have limited income, then if you want, you can stop SIP anytime. You can pause. Then start it again. All this is in your hands. So it is your money, it is your decisions. Look, if you want to invest in the stock market, you will find the link for opening a free demat account in the description and pin comment, through which you can do SIP in ETF and buy ETF. In fact, you can also do SIP in mutual funds, buy stocks and do trading. Everyone needs a demat account. Description pin for opening free demat account is linked in comment. Second thing is our free webinars on Triple Compounding System where you can see one type of returns. If I increase this by three times, you will say that tripling is not possible.

24:45 You are joking. But I will show you exactly. I will not tell you but show you how you can use your money in three ways. So if you want to meet me, watch the webinar we do every Sunday. There are live webinars. You can also come and ask questions. So if you want to meet me in the webinar then you will find the link to the Google form in the description and print comments. Please fill it up. If you fill up the form then our team will invite you to the webinar. Till then you must open your demat account. So subscribe this channel. Click on the bell icon. The next video is going to be a lot of fun. Don't miss it. I hope you all are learning. I am moving ahead in life. Keep growing. Subscribe this channel. Click on the bell icon. Share this video, you go self made and Jai