The Cost of Waiting: A Real-Life Lesson on Market Timing

In June 2021, I had an insightful interaction with a prospect who was exploring options to invest ₹25 lakhs — money currently lying in fixed deposits — into equity markets under my advisory.

They understood the long-term wealth-building potential of equities and appreciated the value of working with a SEBI-registered advisor. But despite everything aligning perfectly, they ultimately held back.

Their reason?

👉 “Markets are at all time high now & are overvalued. We are expecting a correction soon.”

🚫 So, they chose to wait.

📊 What Actually Happened?

At the time of our discussion in June 2021, the Nifty 50 index was trading around 15,600.

As of today, in July 2025, the Nifty is hovering near 24,900 — a gain of nearly 60% in just over 4 years.

Let’s put this in perspective:

Instead, their ₹25 lakhs might have earned them around 5–6% per annum in a fixed deposit, totaling to roughly ₹31–32 lakhs — and that too before tax!

💡 Key Takeaways for Investors:

1. You can’t time the market perfectly
   No one can predict the top or bottom. Waiting for the “right time” often means missing the real opportunities.

2. Time in the market > Timing the market
   Long-term investors who stay invested through cycles generally create far more wealth than those who wait for the ideal entry.

3. Professional advice brings discipline
   Working with a SEBI-registered advisor like me ensures your investment journey is based on logic, not emotions.

📢 Final Thought

If you're sitting on idle cash or parking large amounts in fixed deposits, ask yourself:

🕒 “Are you investing based on facts or fear?”

✅ The best time to invest was yesterday. The next best time is now — with proper guidance and a goal-based approach.

📞 Ready to start? Let’s build your wealth with discipline and clarity.

Disclaimer: Investments in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.