High exposure to small and mid-cap companies can disrupt financial plans

Not many investors know if they have invested in the right funds and if their fund portfolio is on the right track. He Medical Portfolio assesses the health of the fund’s portfolio, examines schemes and their suitability against objectives and, if necessary, recommends corrective measures. The advice provided is based on the performance of the funds, the investor’s risk profile as well as their financial goals.

Abhishek Wadgaonkar is saving for his son’s and retirement goals. This is what the doctor advises.

im-2
im-3


PORTFOLIO VERIFICATION

  • Has been investing in capital funds and the PPF for 10-12 years.
  • High investment and aggressive allocation have helped build a sizable portfolio.
  • The goals are ambitious, but regular investment can help you achieve them easily.
  • It is possible to retire at the age of 55 with a small increase of 5% in SIPs.
  • Some funds in the portfolio have consistently underperformed.
  • Portfolio strongly biased towards small and mid-cap funds.
  • Needs to reduce exposure to mid-cap and small-cap segments.
  • Large cap funds will give more stable returns.

doctor’s note

  • Direct investments in stocks can be risky. Consider switching to mutual funds.
  • Ensure that the contribution to the PPF account of the parents and the minor is within the annual limit of Rs 1.5 lakh.
  • In NPS, go for a conservative allocation with no more than 20% in equity funds.
  • Review investments and rebalance at least once a year.
  • Reduce risk when the target is close so you don’t miss it.
im-4

im-5

WRITE US FOR HELP
If you would like your portfolio examined, please write to [email protected] with ‘Portfolio Doctor’ as the subject line. Mention the following information:

  • Names of the funds you own.
  • Current value of the investment.
  • If you have SIP running on any of them.
  • The financial objectives for which you invested.
  • How much you need for each financial goal.
  • How far away is each goal?

Source link

Disclaimer:
The information contained in this post is for general information purposes only. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the post for any purpose.
We respect the intellectual property rights of content creators. If you are the owner of any material featured on our website and have concerns about its use, please contact us. We are committed to addressing any copyright issues promptly and will remove any material within 2 days of receiving a request from the rightful owner.

Leave a Comment