Not much addition to X of 2012 as I dont have any business/ investment in FDs or for that matter in mutual fund which would have been maturing & invested. I am a direct equity investor.
Like most salaried employees out of 30 days I was working for GOI for 12-15 days thanks to IT & other taxes.For another 7-8 days was working for Axis bank to payoff EMI for a 2nd home I had foolishly bought at peak of 2012 in NCR. Rest of the days of month went in school n college fees and other running expenses of household.
Just imagine the amount which I invested in 2nd apartment is not even 1 X but has depreciated & virtually impossible to sell. Had it been added to my investible X of equity returns would have been even better as allocation matters.
Offcourse I have to thank bull market & domestic liquidity for a good performance of my portfolio.