Archive · 5 Aug 2026
Father's Single-Stock Savings Sink To Rs 30 Lakh, Says Son
An adult son shared a story online about his family's money.
His father put almost all the family's savings into just one company's stock.
He started in 2013 and kept buying more of the same stock for years.
He did this because a relative suggested it, and he did not know that spreading money across different stocks is safer.
The father's savings, worth about 75 lakh rupees, are now worth only about 30 lakh rupees.
The father feels very sad and thinks it is his fault.
The son wants to understand the situation and asked the internet for practical advice.
Some people online said the family should sell the stock and buy many different stocks.
Others said they should wait because the stock might go back up.
The son asked for rational advice, not sympathy, so the family can decide what to do next.
A son sought the internet's help after discovering his father had invested the family's life savings into a single stock.
The father invested about Rs 75 lakh in the same stock from 2013 to around 2020, following a relative's suggestion and without diversifying.
The portfolio has shrunk to roughly Rs 30 lakh, spread across three demat accounts belonging to the mother, uncle, and father.
The father is deeply disappointed and feels responsible, while the son wants practical, rational advice rather than sympathy or criticism.
Social media users were divided, with some urging the family to sell and invest in a diversified basket and others advising them to hold for a possible recovery.
- Who
- An unnamed son who sought online advice, and his father who made the concentrated stock investment.
- What
- The father's Rs 75 lakh single-stock investment dropped to about Rs 30 lakh, prompting the son to seek practical advice on the best course of action.
- When
- Investments were made from 2013 to around 2020; the son's help-seeking post went viral recently, though no exact date was given.
- Where
- India (indicated by rupee amounts and demat accounts), with the plea posted on social media.
- Why
- The father, unfamiliar with how stock markets operate, invested all savings in one stock suggested by a relative, and the lack of diversification left the family badly exposed when the stock fell.
Exit And Diversify
Hold For Recovery
Should the family sell the stock or hold it?
Exit And Diversify
Some commenters advised selling immediately and reinvesting in a diversified basket, noting 'Rs 30 lakh is better than zero lakhs.' One argued the Rs 75 lakh is gone and asked: 'Would I put Rs 30 lakh into Zee today? If not, that's your answer,' adding that capital preservation and disciplined compounding beat hope almost every time.
Hold For Recovery
Other commenters advised holding the stock, saying it is 'bound to slowly recover' if no further compliance issue pops up, and that if the family uses its cash flow wisely, the stock might recover faster than expected.
- Total amount invested
- Rs 75 lakh
- Current portfolio value
- Rs 30 lakh
- Investment period
- 2013 to around 2020
- Number of demat accounts
- 3
- Mother's demat account
- Approximately Rs 30 lakh
- Uncle's demat account
- Approximately Rs 20 lakh
- Father's demat account
- Approximately Rs 25 lakh
- Stock suggestion source
- A relative