Not much investors know if they have Investment in the right money and if their fund portfolio is on track. The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with respect to the goals and, if necessary, recommends corrective measures. The advice given is based on the fund’s performance, risk profile of the investor as well as its performance financial goals,
Nandini T. is saving for her child’s goals and retirement, Here’s what the doctor advised:
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- Investments in equity funds for the last 7-8 years.
- The fund is good and should be continued.
- About 48% of equity exposure is through direct stock Investment,
- Prima facie shares may be unstable. Switch to funds instead.
- The education target of Rs 1.5 crore is too high. Make a deduction of Rs 94 lakh to meet the retirement target.
note from doctor
- Retirement goals require large investments. Start investing in NPS.
- Choose the option of balanced allocation for loans in NPS.
- Review investments and rebalancing at least once a year.
- Minimize the risk when you are near the target so that you do not miss the target.
Delay in retirement to build bigger corpus
Sudhir Sharma is saving for his child’s education and early retirement. Here’s what the doctor advised:
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- Started investing in equity funds 3-4 years back to save tax.
- The goal of retiring in 10 years will require bigger corpus and more investments.
- Delay retirement by five years to build enough corpus.
- Review investments and rebalancing at least once a year.
- Minimize the risk when you are near the target so that you do not miss the target.
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write to us for help
If you would like your portfolio to be examined, write to [email protected] with the subject “Portfolio Doctor”. Mention the following information:
- Names of funds held by you.
- Present value of investment.
- If your SIP is running in any of these.
- Financial goals for which you have invested.
- How much do you need for each financial goal?
- How far is each target?