'Feeling cheated by the market. 7 years of SIP and I'm done'

Summary: A Redditor recently vented: ‘Seven years of SIPs, Rs 11 lakh invested and only Rs 16 lakh today, at just 7–8 per cent CAGR. If I had bought land instead, I’d be sitting on double or triple returns by now.’ We break down why this frustration is misplaced, and explain why their post is misguided. We give three strong reasons why… A few weeks ago, a Reddit headline caught my eye: “Feeling cheated by the market. 7 years of SIP and I’m done.” The frustration was real. The poster, going by the name of Upbeat_Click_686, wrote: “I’ve been investing in mutual funds through SIPs for the last 7 years — Rs 11 lakh invested. The current value? Barely touching Rs 16 lakh. That’s barely 7–8 per cent CAGR. Honestly, I expected better. Meanwhile, if I had bought land in my town, I’d have doubled or even tripled my money by now.” This post struck a chord because it isn’t an isolated cry. Many investors, especially those who’ve been patient for a few years, feel the same way that somehow, the game is rigged against them and their mutual fund investments aren’t really growing as rapidly as they ex

This article was originally published on August 19, 2025.