Different ideas. A clearer perspective.
Explore Indian equities through sectors and written selection rules. Compare what each method would have done, and understand what sits behind the number.
Whole shares only. Unspent cash is included in every result. Changing the amount changes the study.
Historical simulations, not ready-made portfolios. Today’s universe creates survivorship bias; fees and taxes are excluded. Past results do not predict future returns.
Find a method to explore.
Whole market
The largest companies across every sector in the universe, split 50/30/20 by size.
Target mix · 50% large / 30% mid / 20% small
197 of 200 candidates had prices at both ends of the window. All 30 the rule wanted were affordable at this amount.
Banks & financial services
Private and public banks, NBFCs, insurers and the market infrastructure around them.
Target mix · 50% large / 30% mid / 20% small
43 of 44 candidates had prices at both ends of the window. All 24 the rule wanted were affordable at this amount.
Technology & digital
IT services and products, internet-first businesses and the telecom networks under them.
Target mix · 50% large / 30% mid / 20% small
27 of 28 candidates had prices at both ends of the window. All 20 the rule wanted were affordable at this amount.
Pharma & healthcare
Drug makers, contract manufacturers and hospital chains.
Target mix · 50% large / 30% mid / 20% small
14 of 14 candidates had prices at both ends of the window. At ₹50L the rule could carry 11 of the 12 it wanted.
Automobile & mobility
Vehicle makers, component suppliers, and the logistics and aviation that move goods and people.
Target mix · 50% large / 30% mid / 20% small
17 of 18 candidates had prices at both ends of the window. At ₹50L the rule could carry 13 of the 14 it wanted.
Energy & power
Oil and gas, refining and marketing, thermal and renewable generation, and the grid.
Target mix · 50% large / 30% mid / 20% small
17 of 17 candidates had prices at both ends of the window. At ₹50L the rule could carry 12 of the 14 it wanted.
Materials & industry
Steel and metals, cement and building materials, chemicals and fertilisers.
Target mix · 50% large / 30% mid / 20% small
23 of 23 candidates had prices at both ends of the window. At ₹50L the rule could carry 17 of the 18 it wanted.
Consumer
Packaged goods, staples, retail and apparel — what households actually spend on.
Target mix · 50% large / 30% mid / 20% small
25 of 26 candidates had prices at both ends of the window. At ₹50L the rule could carry 18 of the 20 it wanted.
Infrastructure & capital goods
Construction and engineering, electrical and industrial equipment, real estate and hotels.
Target mix · 50% large / 30% mid / 20% small
34 of 34 candidates had prices at both ends of the window. At ₹50L the rule could carry 20 of the 22 it wanted.
Domestic demand
Businesses whose revenue comes from Indian households rather than exports.
Target mix · 50% large / 30% mid / 20% small
45 of 47 candidates had prices at both ends of the window. All 26 the rule wanted were affordable at this amount.
Unbroken growth
Companies whose share price rose in every one of the five years before the window opened — whatever sector they came from.
Price-history screen · not earnings growth
197 of 200 candidates had prices at both ends of the window. At ₹50L the rule could carry 9 of the 18 it wanted.
Steady growth
A wider net: up in at least four of the five years before the window, across every sector.
Price-history screen · not earnings growth
197 of 200 candidates had prices at both ends of the window. All 28 the rule wanted were affordable at this amount.
Largest compounders
The fastest growers among those that grew in at least three of the five years before the window.
Price-history screen · not earnings growth
197 of 200 candidates had prices at both ends of the window. All 20 the rule wanted were affordable at this amount.
How a pack is built
Two rules, and the same four steps for every packEither a written list of sectors, or — on the cross-sector packs — a screen over the whole universe with a cap on how many companies any one sector may contribute. Nothing is picked by hand.
Sector packs rank by market capitalisation on the day the window opens; screened packs score the years before it. Judging on anything inside the window would be picking the winners and then reporting that they won.
Sector packs put half in large caps, 30% in mid and 20% in small. Screened packs impose no split at all — equal weight throughout, with the size mix reported as an outcome.
Shares are bought in whole numbers at the opening price and held. Dividends count. Nothing is rebalanced, nothing is sold, and no fees or taxes are modelled.
Method and limits. Prices are month-end closes from the provider’s adjusted series, so historical figures are already restated onto today’s share basis and the share counts shown are on that basis too. Dividends are included; brokerage, STT, stamp duty and capital-gains tax are not, and they would all reduce these returns. Rights issues, mergers and demergers inside a window are flagged on the pack page rather than approximated. A company with no price at both ends of a window is left out rather than filled in, and the count is shown. Packs overlap on purpose — a company can appear in several, and they are not meant to be held together.
Windows end 2026-09-01 and the 3 years window opens 2023-09-01. Money Is Cute is not a registered investment adviser or research analyst, publishes no recommendations or target prices, and cannot place a trade. What a rule did in the past is a fact about the past.