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 nearly 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. Out of this, he allocated ₹3 crore — nearly 40% of his portfolio — into land, while the remaining ₹5 crore was invested across large-cap, mid-cap, and small-cap stocks.

According to him, the land investment turned out to be the biggest winner. The property, initially bought for ₹3 crore, is now valued at ₹7.35 crore, delivering a massive ₹4.35 crore profit within 24 months.


Kaushik explained that while many investors focus only on equities, he wanted a diversified portfolio that could survive different market conditions. This strategy, he said, proved valuable during the recent slowdown in certain sectors.

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

However, the strong appreciation in land prices balanced out the weaker performance in some equity segments. He shared that his small-cap portfolio delivered returns of 42%, while mid-caps generated 28% gains during the same period.



Still, land outperformed everything else in his portfolio. Kaushik said the real estate investment grew at a staggering 56.5%, largely unaffected by stock market volatility or daily news cycles.

His ₹5 crore stock portfolio generated an absolute profit of ₹3.63 crore, translating to a 72.6% return and a CAGR of 31.4% over two years.

Meanwhile, the ₹3 crore invested in land alone produced ₹4.35 crore in profits — more than the gains from all his stock investments combined — with a remarkable CAGR of 56.5%.

Overall, Kaushik said his total portfolio value climbed from ₹8 crore to nearly ₹16 crore in just two years.

He concluded by stressing the importance of diversification, saying real wealth creation is not only about selecting the right stocks, but also about ensuring investments are spread across different asset classes so that one segment can support the portfolio when another slows down.