One of the perks of being in my industry is the opportunity to celebrate (and introspect) two new years’. I have mentioned it earlier on how I struggle coming up with these month-end pieces (and embarrassed about my inconsistency) . However, I do look forward to these year-end pieces. This is the time for reviewing our financial year.

(for example, we don’t have the concept of month end/quarter end / year-end sales drives. In fact, we don’t measure our client relations’ performance in terms of sales that they do, but on engagement). However, I do enjoy sharing (and documenting) how did we do as a business, during a particular financial year. You can read our last FY (23-24) blog here.

Disclaimer: Our investor data would be quite different from the rest of the market and the data shouldn’t be seen as a representation of the larger investing world. Our investors: 

• are affluent 
• are healthy savers & channelize a significant part of their savings into investments
• believe in the process and not just the outcome of investing

The year started with our largest client exiting us :-). However, it wasn’t a disappointment for us, since the exit had nothing to do with our performance. It was a private employee provident fund trust, and they handed over the management to the EPFO (central govt). It just tells you how difficult it is to match the EPF interest rates given by the govt.  Pro Tip: Please max your EPF contributions

Now let’s get to the numbers for the year :

4.5 x: that’s how much our assets which have spent more than 10 years have grown to. But let me start with the disclaimer: 10 years is not what they have spent. 10 years was the cut-off / the minimum time they have been invested for, but generally longer. Out of overall AUM (Assets Under Management/ or money that we manage in simpler terms), 4.5 cr of cost value has spent more than 10 years and has grown to 19.57 cr (April 2025)

85 % of our investors either maintained or scaled up their monthly SIPs, compared to the previous year

29 % growth in our debt assets (factoring in the exit of an Employee Provident Fund institutional client, which had predominantly a debt allocation). Debt is that sincere consistent mid-ranker in the class, who never gets the limelight, but can be relied upon to deliver. The asset gets it’s importance, in a year, where it eventually ended up doing better than equity. The comparable number for the overall industry was 20 %  

98 % of our investors have more assets with us today than they had 6 years back. For this lot, their current portfolio is almost 5x, compared to their portfolio 6 years back. This has been a function of 3 factors : i) Healthy returns ii) Higher savings iii) Staying invested

Disclaimer: Any calculation shown in this post is only for illustrative purposes  and based on prevailing tax laws and the past performance of a fund or investment is not an indicator of it’s future performance. The data used in this presentation has been taken from several sources. Neither BuckSpeak nor any of its employees vouches for the authenticity of the data. Investing in mutual fund comes with market risk. Please read all Scheme Information Documents (SID) /Key Information Memorandum (KIM) and addendums issued thereto from time to time information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund. Investment should be done in consultant with a financial planner/consultant, who would recommend products aligned to your needs and risk profile. There are no guaranteed returns.  Neither BUCKSPEAK NOR ITS EMPLOYEES, makes any warranties or representations, express or implied, on products offered and would be responsible for any losses from these investments. The company earns commission from Asset Management Companies when the user buys mutual funds. However, the recommendations on funds is not influenced by the commission earned