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 fund’s performance, risk profile of the investor as well as its performance financial goals.

I: Increase investments or postpone planning to retire early at 52
Divya Bhatia is investing for son’s education retirement. Here’s what the doctor advised:

aim

Investor’s current portfolio

portfolio check-up

• Investing in a mix of equity and hybrid funds for 7-8 years.
• The aggressive investment has paid off, while building up a massive corpus.
• The goal of education is near so start shifting from equity funds to debt security.
• Retiring early requires large corpus to maintain 28-30 years in retirement.
• The investment would need to be increased by Rs 33,000 per month or deferred retirement plans for 2-3 years.

note from doctor

• Being a single parent one needs a minimum life cover of Rs 1-2 crore.
• Considering the high equity exposure in the portfolio, opt for debt funds 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.

II: Take a Long Term Approach to Retirement
Vishesh Kumar is investing for retirement. Here’s what the doctor advised:

aim

Investor’s current portfolio

portfolio check-up

• Started investing in equity funds three years ago.
• Investments have done well but are feeling uncertain about the future. Don’t let the noise of the market deter you from your long-term planning.
• Review the mutual fund portfolio at least once a year. Change if a fund underperforms.
• 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:

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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 is each target?