Gurmeet Chadha, now the chief investment officer at wealth advisory firm Complete Circle Consultants, has built his investment strategy on the back of a valuable life lesson. In 2006, he left his role at HDFC Bank for a 25% pay hike, a decision that cost him dearly in the long run. By exiting before his Employee Stock Ownership Plans (ESOPs) vested, Chadha missed out on what could have grown into a multi-crore asset—estimated around Rs 15–25 crore, based on the success of HDFC stock over the years.
But he took a disciplined approach to course-correct. He recently shared an important investing milestone. Today, four of his mutual fund SIPs and five stock SIPs have completed a full ten-year tenure.
Despite the volatility and global uncertainty that have defined markets over the past decade, Chadha remains bullish on the power of time and discipline. Rather than chase market highs or rely on timing, he focuses on defined quantity targets—accumulating specific numbers of shares in companies he believes in. In his view, downturns serve as buying opportunities rather than causes for panic.
In his current outlook, he projects that the “new normal” for equity returns in the medium term may range between 10–12%. This moderation, he suggests, should prompt investors to adjust expectations and stay focused on process-driven investing. In a recent podcast, Chadha said that his own strategy now aims at building enough passive income through dividends to cover living expenses.
Having worked at Citibank and Reliance Mutual Fund before co-founding his current firm, Chadha’s investment approach is shaped as much by experience as by logic ."Despite all the ups and downs, markets have been kind. Life is good. Time + discipline is greater than timing + intelligence," he said.
But he took a disciplined approach to course-correct. He recently shared an important investing milestone. Today, four of his mutual fund SIPs and five stock SIPs have completed a full ten-year tenure.
Despite the volatility and global uncertainty that have defined markets over the past decade, Chadha remains bullish on the power of time and discipline. Rather than chase market highs or rely on timing, he focuses on defined quantity targets—accumulating specific numbers of shares in companies he believes in. In his view, downturns serve as buying opportunities rather than causes for panic.
My 4 SIPs have completed 10 year tenure
— Gurmeet Chadha (@connectgurmeet) April 18, 2025
5 stock sips have completed 10 year tenure
Despite all the ups and downs , Markets have been kind. Life is good :)
Time + discipline >>> timing + intelligence
In his current outlook, he projects that the “new normal” for equity returns in the medium term may range between 10–12%. This moderation, he suggests, should prompt investors to adjust expectations and stay focused on process-driven investing. In a recent podcast, Chadha said that his own strategy now aims at building enough passive income through dividends to cover living expenses.
I left HDFC bank in 2006 n did not vest by ESOPs. Got carried away by 25% salary hike n switched
— Gurmeet Chadha (@connectgurmeet) December 3, 2020
Realised my mistake in 2010 & hv been buyin 10 HDFC shares every mth for 9yrs. A colleague who stayed back has ESOPs worth 15Cr
Lesson learnt-Never Interrupt d compounding process!
Having worked at Citibank and Reliance Mutual Fund before co-founding his current firm, Chadha’s investment approach is shaped as much by experience as by logic ."Despite all the ups and downs, markets have been kind. Life is good. Time + discipline is greater than timing + intelligence," he said.
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