Independent investment research · Since 2020

A calmer way to invest.

Honest research. Simple principles. Disciplined investing. We believe investing should bring clarity, not confusion. Through thoughtful diversification, systematic investing, and long-term discipline, Safed Pigeon explores a simpler approach to building wealth.

Explore the Core Portfolio → Read our research ↗
The core portfolio

Five funds. Two markets. One approach.

A model equity allocation with monthly SIPs and a planned annual rebalance.

The original thesis ↗

Simple by design.

Broad exposure to Indian and US equities through four index funds and one actively managed flexi-cap fund.

Motilal Oswal S&P 500 Index Fund 30%
ICICI Prudential Nasdaq 100 Index Fund 20%
HDFC Nifty 50 Index Fund 20%
UTI Nifty Next 50 Index Fund 10%
Parag Parikh Flexi Cap Fund 20%

Fund weights are not the same as underlying country exposure; PPFAS can hold international equities. A 100% equity portfolio is not appropriate for every investor.

Read the original portfolio construction →
Five-year historical simulation

How did the idea perform?

A later backtest simulated ₹1 lakh invested every month across the five funds over five years.

Reported five-year portfolio XIRR ≈18% Historical simulation, not actual investor returns. The calculation and assumptions have not been independently verified.
₹60.00L Simulated SIP contributions
₹94.37L Sum of displayed ending fund values
18% Reported portfolio XIRR (approx.)
Explore backtest results →
Transparency

Inside the backtest

Per-fund results from the supplied five-year analysis.

View all risk metrics ↗
Fund Invested
₹ lakh 		Value
₹ lakh 		XIRR Alpha Beta R² Sharpe Sortino Volatility Max DD
Motilal Oswal S&P 500 Index 18.00 32.28 23.6% +10.2% 0.44 18% 0.77 1.26 51.7% −19.9%
HDFC Nifty 50 Index 12.00 13.33 4.2% −0.7% 1.01 99% 0.06 0.09 51.6% −16.6%
UTI Nifty Next 50 Index 6.00 7.98 11.3% +4.7% 1.24 75% 0.35 0.52 53.5% −26.5%
ICICI Prudential Nasdaq 100 Index 12.00 25.22 30.2% +13.6% 0.56 14% 0.72 1.18 52.7% −30.0%
Parag Parikh Flexi Cap 12.00 15.56 10.3% +4.0% 0.70 78% 0.47 0.72 51.4% −17.9%

Figures transcribed from the supplied five-year backtest image. Risk metrics depend on benchmarks and calculation methods not provided; the simulation has not been independently verified. On narrow screens, scroll the table horizontally.

Our philosophy

Peace of mind starts with a plan.

A practical approach to navigating two markets without predicting the next winner.

India + United States

Two markets. No crystal ball.

At different times, Indian and US equities take turns leading. Chasing whichever market has just performed best can turn long-term investing into a cycle of second-guessing.

Our starting point is a 50/50 target allocation to India-focused and US-focused funds , rather than a prediction about which country wins next. Because Parag Parikh Flexi Cap may own overseas stocks, actual underlying country exposure can differ.

Guessing whether it's a Safed कबूतर or वाइट Pigeon. Have a 50–50 US/India portfolio & be SafedPigeon! ↗

01

Choose your allocation

Set diversified target weights before market headlines tempt you to change course.

02

Invest systematically

Contribute through monthly SIPs, including during market declines and sideways periods.

03

Rebalance, don't predict

Review once a year and restore target fund weights rather than chase recent winners.

From the archive

Research & ideas

Read the original Facebook articles here, with links back to their sources.

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