Days like Independence Day remind us to channel our renewed energy into building something lasting — and what better time to give your investments a fresh start?
We’re celebrating with a special 25% discount across our strategies (except HNI segment) — valid only till 17 Aug 2025 (Sunday).
Code : FREEDOM25
Discount : 25%
Validity : End of 17th Aug 2025 (Sunday)
Watch the special video from Alok Jain
When it comes to investing, even a small difference in returns can lead to a big change in the outcome over time. Imagine investing ₹1 crore for 10 years at a return of 12% per year after tax and all costs (see the image below).
By the end of the period, your money would grow to ₹3.11 crores. That means your wealth would more than triple in just a decade.
However, if the return was just 2% lower, say 10% per year, the final amount would drop to ₹2.59 crores. This difference of over ₹50 lakhs shows how important each percentage point of return really is. Over a long period, the effect of compounding can make these small changes turn into very large amounts.
IMPORTANT ANNOUNCEMENT
From next week onwards (starting 15th of Aug 2025), we’ll be sharing all our strategy updates, rebalances, and important announcements on our official WhatsApp Channel
Why this change?
Because it’s simpler, faster, and right where you already are — WhatsApp makes staying updated effortless.
Stay updated with:
- Strategy updates & rebalances
- Exclusive announcements & offers
- Important reminders – all in one place
Here’s an instruction manual if you are not aware of Whatsapp Channels
How Expenses Eat Into Returns
One common reason for lower returns is high expense ratios. Many people invest in funds through distributors, who naturally choose products that pay them higher commissions. This can lead to investors unknowingly paying almost 2% in extra costs each year.
While 2% may not sound like much, over time it makes a huge difference. This expense effectively reduces the return you get from your investments, and when compounded over several years, the gap becomes massive.
The Role of Investment Choices
Sometimes, the issue is not just expenses but the type of investments chosen. People may invest in products without actively checking their performance. They assume that if their portfolio is earning 10–15% annually, it must be doing fine.
But without regular reviews, they might be missing the chance to shift into better-performing options. A difference of even a few percentage points in performance can change the final wealth by lakhs or even crores over a decade.
The Importance of Active Monitoring
Monitoring your investments regularly is just as important as making them. If you notice underperformance and take steps to correct it, you can ensure your money is working at its full potential. Without this focus, you might still earn positive returns, but you will lose the opportunity to maximise them.
Turning Awareness into Action
The key takeaway is simple: every percentage point matters. Whether it’s by reducing unnecessary costs, choosing the right products, or keeping an eye on performance, small improvements today can lead to big gains tomorrow. Investing is not just about putting money into the market—it’s about making sure it grows in the best way possible.
