CA invested Rs 3 crore in land, Rs 5 crore in stocks two years ago — The returns may surprise you

Financial educator Nitin Kaushik recently shared how a smart mix of land and stock market investments helped him almost double his wealth in just two years.

In a post on X, Kaushik revealed that he had a total investment corpus of ₹8 crore two years ago. Apart from this, it has allocated ₹3 crore, nearly 40% of its portfolio, to land, while the remaining ₹5 crore has been invested in large-, mid- and small-cap stocks.

According to him, the biggest winner was the land investment. Originally purchased for ₹3 crore, the property is now valued at ₹7.35 crore, making a huge profit of ₹4.35 crore within 24 months.

Kaushik explained that many investors focus only on stocks, but he wants a diversified portfolio that can withstand different market conditions. This strategy has proven valuable during the recent slowdown in certain sectors, he said.

He noted that large-scale investments showed limited growth due to the correction in the IT sector. If he had invested all his money solely in stocks, overall returns would have looked very different.

However, the strong increase in land prices offset the weak performance in some equity segments. He shared that in the same period, his small-capitalization portfolio generated a 42% return, while medium-capitalization portfolio earned a 28% return.

Still, Land outperformed everything else in its portfolio. Kaushik said real estate investment grew at a staggering rate of 56.5 percent, largely unaffected by stock market volatility or daily news cycles.

The ₹5 crore equity portfolio generated an absolute profit of ₹3.63 crore, translating into a return of 72.6% and a CAGR of 31.4% in two years.

Meanwhile, ₹3 crore invested in land alone generated profits of ₹4.35 crore, at a remarkable CAGR of 56.5%; this was more than the gains from all stock investments combined.

Overall, Kaushik said the total portfolio value has increased from ₹8 crore to around ₹16 crore in just two years.

He concluded by emphasizing the importance of diversification, saying that creating real wealth is not just about choosing the right stocks, but also ensuring that investments are spread across different asset classes, so that when one segment’s portfolio slows down, it can support the other segment.