I am an eternal optimist & have been mostly remained invested in equity since 2012. I am also a calculated risk taker & have been invested 110 to 120% thru LAS.Though I try that the interest out go on LAS & interest earned by me on my PF of tax free bonds & dividends balance out each other or net out go remains a minimal part of my total portfolio.
Though I earn a salary but most of it goes in repaying EMIs as has been the fad of most middleclass in India taking home loans & other loans since long inspite of rental yield hovering way below the intt on housing loan.As such not much saving from salary goes into equity from mine side & my X of 2012 did not had much contribution from salary or other sources subsequently as well .
But my X in 2012 was not v substantial due to 2 factors
I had large no of scrips as high as 40-50 scrips .
Many were largecaps Like TCS,Icici bank,GAIL.ONGC,OIL,BOB, etc.My performance improved once I reduced the no of stocks to 10-12 resulting in better allocation which is more imp then stock selection IMHO .
I converted all other then TCS into quality small & midcaps like Astral Poly,Mayur uni,Page Ind,Repco Home,Shilpa Medicare,Ajanta Pharma ,OCCL etc thanks to VP.
TCS I held on till 2015 & then converted into quality small n midcaps.
So all I remember is the X of 2012 & present PF value.But then one should not confuse brains with the bull market .This has been an unprecedented bull market for sure due to huge rush of domestic & FII liquidity.