Whole market
The largest companies across every sector in the universe, split 50/30/20 by size.
₹3L put in on 1 Sept 2021 and left alone until 1 Sept 2026. Whole shares, dividends counted, nothing rebalanced or sold.
from ₹3L
over 5 years
of the 30 the rule wanted · 12 lost money
₹3L, month by month
30 holdings plus ₹16,627 in cashThe 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₹2.8 L bought shares. ₹16,627 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: +31.6%. The headline above is lower because it counts the idle cash, which is what would really have happened.
| Large cap | 15 of 15 | 50% |
| Mid cap | 9 of 9 | 30% |
| Small cap | 6 of 6 | 20% |
Within 5 points of target on every band.
This is the baseline every other pack is measured against, so it has nothing to be measured against itself.
Where the return came from
Price movement and dividends, kept apartWhat the shares themselves were worth at the end, less what they cost.
28 of 30 holdings paid something across the 5 years. Dividends are counted as cash when paid and are not reinvested, so nothing here compounds.
Of the ₹89,416 gained, ₹17,418 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.
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.
Sign in with GoogleWhy these sectors
The grouping is a judgement — here is the one that was madeThe baseline. Every other pack should be read against this one — a theme that did well in a year when the whole market did better has not actually told you anything.
Coverage. 193 of 200 companies in this theme had month-end prices at both ends of the window; the rest were left out rather than filled in. 30 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 15/9/6 companies · equal weight inside each size band · prices are month-end closes from the adjusted series, so share counts are on today’s basis.