Very few investors know whether they have invested in the right fund and whether 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.
Case I: Arun Bhadra is investing for his daughter’s goals and retirement. This is what the doctor advised
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- started investing in equity fund 10-12 years ago.
- Long term SIPs, large investible surplus have accumulated good corpus.
- All goals can be easily achieved. Enough for additional goals.
- Investors are not monitoring the fund’s performance.
- Many funds are chronic underperformers.
note from doctor
- If Fund Monitoring Is a Problem, Move on passive index funds.
- High equity exposure in the portfolio, hence choose debt funds in NPS.
- Purchase term insurance 2 crore cover for yourself.
- Rebalancing at least once a year. discount risk When the target is near, do not miss the target.
Case II: Krutika Patil is saving for buying a house, her marriage and retirement. This is what the doctor advised
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- Investing in equity funds for the last two years.
- Funds are good, but goals are too close. More investment is needed to reach them.
- Start systematic shifting from equity funds to debt schemes.
- Select the option of maximum equity exposure in the NPS account.
- 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.
Assumptions Used in Calculations
inflation
- Education expenses: 10%
- For all other targets: 7%
Return
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- 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:
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- 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 apart is each target