He started investing at the exact top — the worst possible day. The market crashed. He felt like the unluckiest person alive. So why did he still end up rich? Pick any peak in PSX history and see.
The hero — you bought at the top. Then what?
Pick the peak you "unluckily" started at
Illustrative — what the pile pays yearly
% per year
Har saal SIP itne % barhao — salary barhti hai, toh SIP bhi. 12 mahine baad har saal step-up.
Started at the May 2017 peak · kept going
Rs 39.3L
Profit
Rs 28.1L
Yearly dividend (~10%), monthly
Rs 32,800/mo
at 10% yield
Age (start → now)
25 → 34
You put in
11.2L
Units bought
22.2
Avg buy level
40k
Why he wasn't unlucky: he bought "at the top," yet his average cost landed near 40k — because the dead, scary years after the peak were his discount window, when a fixed 10k stacked cheap units. The crash he feared is the exact reason he got rich. That's the secret — and it works at every peak above.