Equity & Index Funds for Building Wealth

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 sakthipriyan.com/building-wealth 
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## Equity & Index Funds 
for
## Building Wealth 
  
#### Nov 09, 2025
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### Disclaimer


|  |  |
| --------------------------- | ---------------------------------------------------------- |
| **Personal Fit**      | Strategies shared reflect my experience and comfort level. |
| **Purpose**     | For learning and awareness, not financial advice.          |
| **Risk**         | Market values fluctuate; capital is always at risk.        |
| **Rules**         | Verify local tax and investment regulations.               |
| **Responsibility** | Make informed choices that align with your goals.          |

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### Contents

1. Asset classes 
2. Equity 
3. Index Fund 
4. My Equity Allocation 
5. My Equity Portfolio 
6. Why "Boring" Works

---

### 1️⃣ Asset classes

📈 Know Your Asset Classes for **Building Wealth**

|            |                         |                           |
|------------|-------------------------|---------------------------|
| **Equity** | Ownership in companies  | Infosys shares / <br/> Nifty 50 |
| **Debt**   | Lending to institutions | Bonds / Debt Fund         |
| **Gold**   | Store of value          | ETF / Jewellery           |

> Diversify across asset classes to manage risk.

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### 2️⃣ Equity

- When you buy a **share** via **NSE** / **BSE**, you buy **a small piece of a company**.  
- Prices change not every time value changes, but when **expectations** change.  
- Over time, as companies grow, **your ownership grows in value**.
  - Price Appreciation
  - Dividends (If reinvested)
  - Buybacks
  - Stock Splits / Bonus Shares
- 📈 Growth is never a straight line

### 2️⃣ Equity / Infosys

> 📊 CAGR 12% (20 years)

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### 3️⃣ Index Fund

> A **Mutual Fund** that buys all companies in an index — automatically.

- No fund manager guessing which stock will win.  
- Just **track the index** — low cost, no bias.  
- When Nifty 50 grows, your fund grows.

> 💰 **Low Cost + Diversification = Smart Investing**

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### 3️⃣ Index Fund / NSE

> **Index Funds** track baskets of top Indian companies across various market segments.

|  |  |  |
|--------|--------|-------------|
| 🟢 **Nifty 50**  | 1–50 | Top large-cap companies |
| 🟢 **Nifty Next 50**  | 51–100 | Emerging large caps |
| 🟢 **Midcap 150**  | 101–250 | Mid-sized growth firms |
| 🟢 **Smallcap 250**  | 251–500 | Smaller, high-growth firms |

> 🧭 Broadly covers India’s top **500 companies**

### 3️⃣ Index Fund / Nifty 50

> 📊 CAGR 14% (20 years)

### 3️⃣ Index Fund / More

*Index funds track major indices across 🌏 and 🇮🇳 exchanges.*

> Combine 🇮🇳 + 🇺🇸 for balanced diversification

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### 4️⃣ My Equity Allocation
*My personal mix — diversified yet simple.*

|  |  |  |
|-----------|------------:|----------|
| 🇮🇳 **Nifty 50**  | 20% | Core stability |
| 🇮🇳 **Nifty Next 50** | 10% | Emerging large-caps |
| 🇮🇳 **Midcap 150** | 10% | Growth drivers |
| 🇮🇳 **Smallcap 250** | 5% | Long-term compounding |
| 🇺🇸 **Nasdaq 100**  | 35% | Geo/Currency diversification |

> 💡 *A balanced mix of stability, growth & diversification — all via index funds.*

---
<section>
  <h3>5️⃣ My Equity Portfolio <small>~ 600 companies</small></h3>

<table class="equity-portfolio">
    <thead>
      <tr>
        <th></th>
        <th colspan="9"></th>
      </tr>
    </thead>
    <tbody>
      <tr>
        <td>Nasdaq&nbsp;100</td>
        <td><img src="logos/nasdaq100/nvidia.png" alt="NVIDIA"></td>
        <td><img src="logos/nasdaq100/apple.png" alt="Apple"></td>
        <td><img src="logos/nasdaq100/microsoft.png" alt="Microsoft"></td>
        <td><img src="logos/nasdaq100/alphabet.png" alt="Alphabet"></td>
        <td><img src="logos/nasdaq100/amazon.png" alt="Amazon"></td>
        <td><img src="logos/nasdaq100/broadcom.png" alt="Broadcom"></td>
        <td><img src="logos/nasdaq100/meta.png" alt="Meta"></td>
        <td><img src="logos/nasdaq100/tesla.png" alt="Tesla"></td>
        <td><em>+92</em></td>
      </tr>
      <tr>
        <td>Nifty 50</td>
        <td><img src="logos/nifty50/reliance.png" alt="Reliance"></td>
        <td><img src="logos/nifty50/hdfc-bank.png" alt="HDFC Bank"></td>
        <td><img src="logos/nifty50/BHARTIARTL.webp" alt="BHARTIARTL"></td>
        <td><img src="logos/nifty50/tcs.png" alt="TCS"></td>
        <td><img src="logos/nifty50/icici-bank.png" alt="ICICI Bank"></td>
        <td><img src="logos/nifty50/sbi.png" alt="SBI"></td>
        <td><img src="logos/nifty50/bajaj-finance.webp" alt="Bajaj Finance"></td>
        <td><img src="logos/nifty50/infosys.png" alt="Infosys"></td>
        <td><em>+42</em></td>
      </tr>
      <tr>
        <td>Nifty Next 50</td>
        <td><img src="logos/niftynext50/lic.png" alt="LIC"></td>
        <td><img src="logos/niftynext50/hal.png" alt="HAL"></td>
        <td><img src="logos/niftynext50/adani-power.png" alt="Adani Power"></td>
        <td><img src="logos/niftynext50/dmart.png" alt="DMart"></td>
        <td><img src="logos/niftynext50/ioc.png" alt="IOC"></td>
        <td><img src="logos/niftynext50/vedanta.png" alt="Vedanta"></td>
        <td><img src="logos/niftynext50/hindustan-zinc.png" alt="Hindustan Zinc"></td>
        <td><img src="logos/niftynext50/hyundai.png" alt="Hyundai"></td>
        <td><em>+42</em></td>
      </tr>
      <tr>
        <td>Midcap 150</td>
        <td><img src="logos/midcap150/muthoot-finance.png" alt="Muthoot Finance"></td>
        <td><img src="logos/midcap150/cummins-india.png" alt="Cummins India"></td>
        <td><img src="logos/midcap150/indian-bank.png" alt="Indian Bank"></td>
        <td><img src="logos/midcap150/union-bank.png" alt="Union Bank"></td>
        <td><img src="logos/midcap150/hdfc-amc.png" alt="HDFC AMC"></td>
        <td><img src="logos/midcap150/polycab.png" alt="Polycab"></td>
        <td><img src="logos/midcap150/bse.png" alt="BSE"></td>
        <td><img src="logos/midcap150/indus-towers.png" alt="Indus Towers"></td>
        <td><em>+142</em></td>
      </tr>
      <tr>
        <td>Smallcap&nbsp;250</td>
        <td><img src="logos/smallcap250/sjvn.png" alt="SJVN"></td>
        <td><img src="logos/smallcap250/godigit.png" alt="Go Digit"></td>
        <td><img src="logos/smallcap250/apar.png" alt="Apar Industries"></td>
        <td><img src="logos/smallcap250/cdsl.png" alt="CDSL"></td>
        <td><img src="logos/smallcap250/apollo-tyres.png" alt="Apollo Tyres"></td>
        <td><img src="logos/smallcap250/tata-elxsi.png" alt="Tata Elxsi"></td>
        <td><img src="logos/smallcap250/hindustan-copper.png" alt="Hindustan Copper"></td>
        <td><img src="logos/smallcap250/delhivery.png" alt="Delhivery"></td>
        <td><em>+242</em></td>
      </tr>
    </tbody>
  </table>
</section>

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### 6️⃣ Why “Boring” Works

> Boring ≠ Bad.  
> It means consistent, long-term,  
> rules-based investing.

- No predictions, no emotions  
- Just buy and hold the indexes
- Simple, Smart, Boring — but **Powerful**

> You start **Building Wealth** by letting Compounding work uninterrupted.

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  display:inline-block;
  background: linear-gradient(90deg, #fbbf24, #f59e0b);
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">
sakthipriyan.com/building-wealth
</span>
### Sakthi Priyan H
### Building Wealth
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