₹50k put in on 1 Sept 2025 and left alone until 1 Sept 2026. Whole shares, dividends counted, nothing rebalanced or sold.
Value today
₹51,708
from ₹50k
Gain
₹1,708
+3.4% on the whole amount
Compound annual rate
+3.4%
over 1 year
Companies held
17
of the 30 the rule wanted · 10 lost money
₹50k, month by month
17 holdings plus ₹9,163 in cash
2025 · 1002026 · 103.4
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
81.7%
₹40,837 bought shares. ₹9,163 could not buy a whole share of anything the rule wanted and sat in cash for the whole 1 year.
Return on the money that was invested: +4.2%. 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
9 of 15
50%
Mid cap
4 of 9
32%
Small cap
4 of 6
18%
Within 5 points of target on every band.
Against the whole market
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 apart
Price change
₹1,152
What the shares themselves were worth at the end, less what they cost.
Dividends received
₹557
17 of 17 holdings paid something across the 1 year. Dividends are counted as cash when paid and are not reinvested, so nothing here compounds.
Income’s share of the gain
33%
Of the ₹1,708 gained, ₹557 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
17 companies · 10 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 4 this band could carry once the slice widened enough to buy anything
At ₹50k this rule holds 17 companies rather than 30. 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
The 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.
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. 200 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. Every ranking used a share count the market had already seen at the start of the window.
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.