Very few investors know whether they have invested in the right fund and whether their fund portfolio is on track. Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability: aim 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. Chitra Rao is saving for her son’s education and retirement, Here’s what the doctor advised:
aim

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portfolio recommendations

portfolio check-up

• Investing in a mix of Equity, Debt and Hybrid funds for the last 7-8 years.
• Holds too many overlapping funds. Portfolio needs to be groomed.
• Investments in fixed income and retirement plans are not mentioned.
• The retirement target of Rs 1 lakh per month is very ambitious. 50% should be deducted.
• The SIP will have to increase by 10% every year.

pay attention
from the doctor

• Shift from debt fund to tax free PPF.
• In NPS choose the maximum investment option in Equity Funds.
• Review investments and rebalances at least once a year.
• Minimize the risk when you are near the target so that you do not miss the target.

Second. Remove Lagarde Fund from Portfolio
Sanjeev Guha is saving for his children’s education and retirement. Here’s what the doctor advised:
aim

portfolio recommendation

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portfolio check-up

• Investments in equity funds for the last five years.
• Early start and regular investment has helped in accumulating huge amount.
• The current investment is fine, but increasing the SIP every year will make the target reach premature.
• Review mutual fund portfolio at least once a year. Change if a fund’s performance drops.
• 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

Equity Fund: 12%

Loan Option: 8%

MyMoneyMantra Managing Director and Founder Raj Khosla analyzes the portfolio


write to 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?