Disclaimer

Portfolio Lab is for educational and informational purposes only. It does not constitute investment advice.

Not SEBI-registered

Portfolio Lab and its author are not registered with SEBI as an investment adviser, portfolio manager, research analyst, or any other regulated category. Nothing on this site should be construed as regulated financial advice.

Forward returns are estimates

All expected-return figures are forward-looking estimates based on publicly available research and analyst forecasts. They are not guarantees. Actual returns may be significantly higher or lower — including total loss of principal.

Equity markets can fall 40–60% peak-to-trough over a full cycle. The bear-scenario projection bands in the studio reflect this, but do not capture all tail risks.

Past performance

Historical CAGR figures shown are for reference only. Past performance is not indicative of future results. Several trailing-return figures in the dataset are artificially elevated by the 2020–2025 bull market and the one-off 2025 gold rally.

P2P lending specific risk

P2P lending is shown for completeness. Advertised returns of 10–18% are gross/pre-default marketing figures. RBI (Aug-2024) banned assured-return marketing and credit guarantees. Lenders bear 100% of default loss. There is no deposit insurance. This is a high-risk, illiquid, slab-taxed instrument.

Do your own research

Before making any investment, consult a SEBI-registered investment adviser. Consider your own financial situation, tax position, risk tolerance, and investment horizon.

No liability

The author accepts no liability for any investment decisions made based on information presented on this site. Use at your own risk.