₹50k put in on 1 Sept 2021 and left alone until 1 Sept 2026. Whole shares, dividends counted, nothing rebalanced or sold.
Value today
₹73,652
from ₹50k
Gain
₹23,652
+47.3% on the whole amount
Compound annual rate
+8.1%
over 5 years
Companies held
18
of the 26 the rule wanted · 8 lost money
₹50k, month by month
18 holdings plus ₹7,535 in cash
2021 · 10020222023202420252026 · 147.3
The line is the whole position — shares at each month-end, plus dividends as they were paid, plus the cash that never got invested. It is indexed to 100 at the start, so the shape is the return.
What the rule could actually do with the money
The part most tools skip
Deployed
84.9%
₹42,465 bought shares. ₹7,535 could not buy a whole share of anything the rule wanted and sat in cash for the whole 5 years.
Return on the money that was invested: +55.7%. The headline above is lower because it counts the idle cash, which is what would really have happened.
Size split · target 50 / 30 / 20
Large cap
7 of 13
49%
Mid cap
6 of 8
30%
Small cap
5 of 5
21%
Within 5 points of target on every band.
Against the whole market
+11.7%
points ahead of the whole-market pack at the same amount over the same window (+35.6%).
What the shares themselves were worth at the end, less what they cost.
Dividends received
₹3,253
16 of 18 holdings paid something across the 5 years. Dividends are counted as cash when paid and are not reinvested, so nothing here compounds.
Income’s share of the gain
14%
Of the ₹23,652 gained, ₹3,253 arrived as dividends rather than as a higher share price.
The two figures add to the gain exactly — every rupee of return is either a price move or a dividend — and the split matters because they do not behave alike: a dividend is money received, a price gain is only realised if it is sold. The share is not a yield, and a smaller share is not a smaller dividend. It shrinks when prices run, because the denominator grows: across this universe income is about a sixth of the one-year gain and about a twentieth of the five-year gain, from much the same dividends. In a window where prices fell, income can be the only part that was positive.
Every holding
18 companies · 8 lost money · sorted by what they did
Shown beside the winners on purpose. A pack return is an average with a wide spread underneath it, and the spread is the part that decides whether you could have sat through it.
Ranked below the 6 this band could carry once the slice widened enough to buy anything
At ₹50k this rule holds 18 companies rather than 26. That is a more concentrated position than the pack describes, and concentration cuts both ways — it is the reason the same pack at ₹50L is a different proposition, not just a bigger one.
Sign in to see which companies the rule actually held, and what each one did
Guests see a sample. Members get every company, five-year fundamentals, classified developments, a watchlist and the decision journal.
The grouping is a judgement — here is the one that was made
A cross-sector theme rather than an industry: the common factor is where the money comes from, not what the company makes. It deliberately overlaps the consumer and mobility packs — a company can sit in more than one pack, and none of them is a portfolio you are meant to hold all of.
This is a study of the past, not a plan for the future. The rule is applied to companies that are in today’s approved universe, so anything that dropped out of it is invisible and every figure here is flattered by that. Brokerage, STT, stamp duty and capital-gains tax are not modelled and would all reduce these returns. Money Is Cute is not a registered investment adviser or research analyst, does not publish recommendations or target prices, and cannot place a trade. What you do with your money is your decision.
Coverage. 45 of 47 companies in this theme had month-end prices at both ends of the window; the rest were left out rather than filled in. 17 companies were ranked using a share count from a later filing, because nothing had been reported by 1 Sept 2021 — a small look-ahead this page would rather name than hide.
Target split 13/8/5 companies · equal weight inside each size band · prices are month-end closes from the adjusted series, so share counts are on today’s basis.