What makes a great investor?

Great investors are made in volatile markets.

Nifty is down ~10% from peak while Small Cap Index and Mid Cap Index have fared worse and are down a lot more. More than the market action, the doomsayers are out in full force on media. The recent events – rating downgrades, Rupee fall, credit markets volatility etc – have spooked the markets. Imaginations are out in full force on the worst that can happen.



Everyone has a plan till they get punched in the face

– Mike Tyson


What to do now?


First, don’t do anything in a rush. Don’t second guess your investment plan. Don’t do something just to seem more action-oriented. If you are itching badly to do something, buy Rs 100 of IDFC Nifty fund and call it a day. As in life, so in investing – make decisions in a calm state of mind.

Never cut a tree down in the wintertime.

Never make a negative decision in the low time.
Never make your most important decisions when you are in your worst moods.
Be patient.
The storm will pass.
The spring will come.

-Robert H. Schuller


Second, realize that such corrections happen in the market quite often. Anyone who has lived through the tech bust of 2001 or the global financial crisis of 2008 will tell you such corrections are quite common. Just to make the point, below is the drawdown chart for NIFTY since 2008. It plots how much below the all-time peak Nifty was at that time. NIFTY 50 was 7% or more below its all-time peak 58.1% of all trading days since Jan-2008. So, drawdowns are common. Markets don’t go up in a straight line.


Third, media and financial journalists cannot predict future returns. They amplify what is happening – good or bad – and make it newsworthy. Neither can bloggers, research analysts, wealth managers or even fund managers. So don’t get overwhelmed by the noise.


Finally,  stick to your plan. Keep it simple. If your plan was to buy on dips, do that. If it wasn’t, don’t. Don’t buy on dips just because your friends are.


So, what differentiates a great investor from the rest? They stick to the plan even after being punched in the face.


Start investing through a platform that brings goal planning and investing to your fingertips. Visit kuvera.in to discover Direct Plans and start investing today.


#MutualFundSahiHai, #KuveraSabseSahiHai!



Ps: this note was first published in 2018. Goes to say the more things change the more they remain the same. Investor behaviour is what mattered then, and is what will matter now.

46 Responses

  • Visheahwar Kumar

    October 1, 2018 AT 14:58

    Kuvera is best

  • Visheahwar Kumar

    October 1, 2018 AT 14:58



    October 12, 2018 AT 13:03

    Yes it is right and very realistic.I continuing my investment in this market.

  • a s dhakar

    October 31, 2018 AT 07:14

    sip must be continue in down market otherwise its basic purpose will go in vain.

  • Anil shinde

    November 6, 2018 AT 09:15

    Yes everyone should have long term view of at least 10 years . Once your investments grows 12 to 15 % CAGR over 10 years , such corrections wont affect your returns over long term . Correction are very much needed to correct value of overbought equity and you can get bluechips in fair price .
    Those who will wait in volatile markets will get good return in 5 to 7 years . You can book partial profits when market is at peak and invest in low risk funds .

  • Nitin Kumar

    November 21, 2018 AT 05:43

    I am a bignner in mutual funds.
    But Kuvera is so far so good for me.
    Very helpful and supportive.
    Thanks Kuvera!

    • Gaurav Rastogi

      November 22, 2018 AT 04:48

      Many thanks Nitin for your kind words.

  • Shubhajit

    November 27, 2018 AT 07:03

    I am new to this app and website and also a rookie in mutual funds. But kuvera makes it quite simple and easy to understand. Good work.

    • Gaurav Rastogi

      December 1, 2018 AT 03:24

      Thanks Shubhajit.

  • Meldrin

    November 30, 2018 AT 11:38

    What funds should I buy at this point in time?

  • Wali Ahemad

    December 7, 2018 AT 19:18

    I have worked with different platforms & found Kuvera as one of the best platform

  • Kapil Dhiman

    December 9, 2018 AT 16:53

    Thanks Gaurav bro for making it clear….

  • Devendra patel

    January 1, 2019 AT 05:38

    Can u tell me kuvera unit is demat mode ??

    • Gaurav Rastogi

      January 2, 2019 AT 07:47

      Schemes bought on Kuvera are in non-demat mode.

  • Asib

    January 6, 2019 AT 18:09

    Gourav sir what is password CAS statement

    • Gaurav Rastogi

      January 9, 2019 AT 06:08

      If you have generated your CAS through us please use password “kuvera12”

  • Alok Kumar

    January 17, 2019 AT 04:50

    Hi, can we add my HUF account in my kuvera account as family account. Please advise and if possible please call back on 8284811775

    • Gaurav Rastogi

      January 18, 2019 AT 08:44

      We do no support HUF accounts yet. We will announce once we start supporting them.

      • Tilak Raj

        June 26, 2021 AT 16:28

        Is huf supported now

  • sunil

    March 22, 2019 AT 07:03

    kuvera is good.

  • Rishabh

    May 6, 2019 AT 18:52

    I love kuvera so much. I hope you’ll never break our trust.

  • Noormohammad

    November 28, 2019 AT 19:59

    I am new to this business. Thinking to invest through SIP. Can you please recommend me some of best mutual funds to invest.

  • Shrikant Sawarkar

    March 18, 2020 AT 05:51

    Really Nice Thanks

    • Gaurav Rastogi

      March 19, 2020 AT 01:57

      Thanks Shrikant

  • Vipin Rana

    March 22, 2020 AT 13:58

    Apprehensions are, we are down 30% now, can go 40-50% more down from current levels.. may take a hell lot of time to breakeven

    • Gaurav Rastogi

      March 23, 2020 AT 07:52

      Fair enough, but we will only know the bottom in hindsight.


    April 24, 2020 AT 05:09

    I need funds for my family needs due to lock down

  • Nitin Bansal

    May 10, 2020 AT 13:55

    I was about the stop my sip and then i read this. Gaurav, can you please suggest L&T Emerging Business has the potential to deliver good returns in future better than SBI small cap? Now there star performer has left and performance of fund is also not good.
    Please suggest

    • Gaurav Rastogi

      May 26, 2020 AT 02:33

      Hi Nitin, we would recommend staying with index funds. Best performing funds come and go and past performance is no guarantee of future returns. Indexing is an easier way to hold for the long term by avoiding the temptation of chasing returns.

      • Lakshmanarao

        July 22, 2020 AT 14:05

        Gaurav , need your support to continue or switch Hdfc hybrid equity fund . Its a regular fund shall I switch to its direct fund or other hdfc funds in my portfolio like hdfc small cap,mid cap opportunities.. pls suggest

        • Gaurav Rastogi

          August 31, 2020 AT 01:09

          Please switch to direct. Ideally switch to a long term index fund like HDFC Sensex.

  • Satya

    November 18, 2020 AT 01:46

    Hi Gaurav. Is it the right time to pause SIP for sometime till the market corrects itself again since the P/E ratio is very high

    • Gaurav Rastogi

      November 23, 2020 AT 02:57

      People have been asking this since 2016-17, we have no idea when the correction will come.

  • Aditya Joshi

    December 10, 2020 AT 03:46

    Can I change my sip amout after few months on kuvera?

    • Gaurav Rastogi

      December 20, 2020 AT 14:32

      Yes, you can.

  • Hasan

    December 10, 2020 AT 14:50

    HI Can I add my US stocks Fidelity account like I do with Indian Demat accounts here in my Kuvera account? It’s been really helpful giving me the birds eye of all my investments!

    • Gaurav Rastogi

      December 20, 2020 AT 14:32

      Not yet

  • Vishnu

    January 20, 2021 AT 08:59

    Today market is all time high and I redeemed some equity portion based on my financial planner advice. Kuvera still points to this article at the redemption.

    Actually, the content of this newsletter is relevant only if some one is redeeming on bear market or in dip. Can you please check the relavancy?

  • Tenzing Bhotia

    February 2, 2021 AT 00:03

    Team Kuvera

    You have added value in my investing journey which I have just started.

    Your app make investment look easy..


  • B Govindarajan

    April 1, 2021 AT 09:48

    Yes. Ofcourse your version is correct. But iam planning to sell and invest in some other funds.

  • Ankita Rai

    August 25, 2021 AT 18:21

    I am a beginner in MF but I found KUVERA bestest in all. Very easy to understand and very transparent. I just loved it. Many thanks to t am KUVERA

  • Vivek

    February 1, 2022 AT 06:41


  • Sindha Shah Madar

    March 21, 2022 AT 16:21

    I would like know my investment in the SIP

  • Shrinivas Uttarkar

    March 26, 2022 AT 23:26

    Kuvera is the best platform for investment.