It is important to stay up to date with the latest investment trends but not necessary to act on all of them

This is one of Ayyappan Ramachandran's valued investing lessons. Here's his investment journey and what else he has learnt.

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A cross-media storyteller, Chennai-based Ayyappan Ramachandran writes fiction, puts D up theatre productions, and makes films. A part of the budding community of young mutual fund investors, he has been making investments for about five years now. While he may have only a few years of experience, he surely understands the value of long-term investing.

A humble background

Born in 1995, Ayyappan grew up, as he puts it, in “a financially traditional” family where the only mode of savings was the bank deposit. Thus, he is quite careful about where he spends his money, a trait that is seldom seen in the young generation today. His parents came from Trichy, a quiet, little town in Tamil Nadu. Given the cultural differences between the two cities, he says, “While growing up, I had to deal with the duality of being prejudiced and open-minded at the same time, especially in matters concerning money."

Graduated in 2016 as a chemical engineer, Ayyappan started working in the same year as a business development analyst at a life-sciences-technology company. After working for five years, he quit his job and started his own small business. Ayyappan ponders, “Aspiring to turn my passion into a commercial venture and taking confidence from the growth of my investments, I quit my job in 2021 and started a creative-communications company called Tellable." He helps brands tell their stories effectively.

For his start-up, he did not have to exit any of his SIPs. The performance and consistency of his investments gave him enough confidence to quit his job.

The beginning of his investment journey