40% CAGR in 1 minute per day

This is the system that I am currently using for more than a year and I thought I should document this here. Reddit just auto removes, no thanks to lot of spammers/scammers who do this on a regular basis.

1. Create a screener for X% CAGR so that it has not more than 30-40 stocks in it . Mine is set to 50%. It is market agnostic. Keep lowering your CAGR target or inreasing it, depending on how many are qualifieng your screener. Once it is set, dont keep modifieng it. Buy only 1 share of each stock. If there is a new stock which enters/qualifies this list, then you will get an email https://www.screener.in/screens/571258/50-over-5-years/ and you can buy only 1 share of that stock. 
2. Every day, go to your portfolio, sort them in a descending order based on overall lifetime % gain, so the top most performing is on the top and the others are at the bottom. Now buy 1 share from each stock of the top 10 from this sorted list. I call this TSIP - Topper's systematic investment plan. Thats it. This step 2 which you do everyday will take less than a minute.

Now your top most performers will have the most of your investment and bottom most performers will have the least of your investment. 

Optional - option hedging. (half a minute per day)

1. Pledge your holdings.
2. Buy a CSR (call spread ratio) everyday against an index for the current month's and week's expiry. 

The only way you can incur losses is if the market goes up by 2% every day, in that case, your pledged stocks too would have gone up so your underlying investment would have made so much that your loss in options would have no significance. If the market goes down, then the CSR will generate profit, If the market stays at the same place then too the CSR will generate profit.

Retirement (Generational wealth):

1. Buy a mutual fund which is performing as good or better than the index fund.
2. Invest a lumsump amount X in the MF
3. start a monthly SWP (systematic withdrawal plan) against this MF for 1% of the lumpsum/principal amount. If the principal amount was 100 INR then start a monthly SWP of 1 INR. 

This means, If your MF is growing at at-least 12%-15% a year then you are withdrawing only 12% a year, so your principle amount is always growing at a higher rate than your withdrawal via SWP. In a developing country like india, 20% a year in a largecap/flexicap; 30% for midcap, 40% for a smallcap isnt unheard of but you can be sure that they will collectively give atleast 20% a year on an average of about 5 years even if there was a market crash or unplanned world events like pandemic of 2020-21. This in gen z language is an infinite money glitch. You can pass this wealth setup to the next generation and every generation will have it bigger than the last one. Once in a 5 or 10 years you can readjust the SWP to the 1% of the principle value of the MF at that time to adjust your increased expenditure for inflation.

How do I choose my MFs? 

1. Sort all MFs based on their 10 year returns, select the top 1 from each segment (flexicap/largecap, midcap, smallcap)
2. skip any MFs from fund houses which don't have a good reputation.
3. I use https://www.valueresearchonline.com/funds/best-mutual-funds/?return-period=5Y&plan-type=2 this link, you can use whatever offers you this insight where you get to see a minimum of 10 year return, sort them based on their % return in a descending order.
4. The max investment per MF is equivalent to the 1KG 24k gold. Go back to the list and sort them based on % return for 10 years. Select the top 1 in each category (flexi/large, mid, small) and start adding lumpsum to these MFs untill you reach 1kg24k gold's worth of investment. Invest in all 3 in 1:1:1 ratio (equal amount). 
   

If you have more to invest then repeat the steps 1-4. If not all 3/3 or 2/3, at least 1/3 of the new MFs that you chose will be the same as the one that you already have, because those who have been on the top for a decade or more will usually continue to be on the top. 

What if the MF starts performing badly?

Your SWP will take care of it. If it is not gaining more than you are withdrawing then slowly your investment in that MF will become zero after some time.
What if the MF starts doing better than others?

If it is making a lot more than what you are withdrawing with SWP then it shall keep growing and when you want to invest more and go to the steps 1,2,3 it will still be on top of the list and hence qualify for a new lot of investment in it.
If you are not spending all the SWP amount you get per month, do not invest it back into the MFs, always wait for the extra unused money that you have is worth 1kg24k gold. When it does, use the 4 step procedure to choose 3 MFs  in 3 segments and distribute that new investment in 1:1:1 ratio with an SWP of 1% of the principle. So, you are only allowed to adjust the SWP once in 5 years or you make a new investment in it.

This 4 step method ensures that, 

1. your top performing MFs will always have more investment
2. your least performing MFs will not get more investment
3. If an MF is falling behind in pefromance, your SWP will ensure that you will get divested from it soon

investmennt areas

1/3rd of mine is pledged stocks where I generate some income with the said CSR strategy.

2/3rd is in MF. This is further divided into 1:1:1 amongst a flexicap, midcap, smallcap with a 1% SWP against each one of them.

No real estate, no houses, no farms, no restaurants, no businesses, no crypto, no nothing. In india, real estate scams are too many to count and our courts take decades to solve such things, can you fight in court against a real estate giant or fraud for a decade? I choose peace of mind over anything.

All together most of this setup is, setup once and forget it. I spend not more than a minute/day with investment or money. So this is how you spend a minute a day and sleep peacefully.

I have talked to too many authorised investment bankers, financial advisors, taken all the unsolicited calls from banks and nobody has been able to offer a better investment or retirement plan than this where one gets 40% CAGR and spends 1 minute a day to do it.

Disclaimer: This is how I do, It is no way an advice for you, I am neither authorised or qualified to be a financial adviser but this might act as a reference to you or if you have someone who is helping you with it, then you can discuss this with them.