Many investors are not aware whether they have invested in the right fund or not 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 performance of the fund, risk profile of the investor as well as his financial goals.

I: Sagar Devkate is saving for home, children’s education and retirement. Here’s what the doctor advised:
aim

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Investor’s current portfolio

portfolio check-up

• started Investment In share Funds 2-3 months ago.
• Fund is good but need restraint Expectations Why return?
• Housing loan of Rs 20-25 lakh will have to be taken.
• When the household target is met after five years, the surplus can be channeled to other goals.
• A small increase of 5-10% in SIP every year can help in achieving all the goals.

note from doctor

• The retirement target at Rs 50,000 per month is very low. Consider increasing it to Rs 1 lakh.
• Provident fund or other retirement benefits are not mentioned.
• Review the investment and rebalance portfolio at least once a year.
• Minimize the risk when you are near the target so that you do not miss the target.

II: Increase the SIP by 10% annually to achieve the target
Suresh Kumar is saving for his child’s education and retirement. Here’s what the doctor advised:
aim

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Investor’s current portfolio

portfolio check-up

• Started investing in equity funds last year.
• The targets are ambitious and would require a regular increase in SIPs.
• The retirement target of Rs 25,000 per month is too low. Consider a hike of Rs 50,000.
• Other investments for retirement (PF, small savings, NPS) not mentioned.
• Review investments and rebalancing at least once a year.

Assumptions Used in Calculations

inflation

Education expenses: 10%

For all other targets: 7%

Return
Equity Fund: 12%

Loan Option: 8%

MyMoneyMantra Managing Director and Founder Raj Khosla analyzes the portfolio


write us for help

If you would like your portfolio to be examined, write to etwealth@timesgroup.com 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?