Not much investors know if they have Investment in the right money and if their Fund The 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.
Sanjay Awasthi is saving for his child goals and retirement. Here’s what the doctor advised her:
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portfolio check-up
- invested in equity fund From last 5-6 years. Keeps a good mix of money.
- The early start has helped build big fund,
- The education target can be easily achieved with 5% increase in SIP.
- Portfolio equity is heavy. Add fixed income instruments like Sukanya, Debt Fund.
- Retirement goals are low. Raised to Rs.60,000 per month.
note from doctor
- Small and mid cap volatility in the portfolio, be prepared for volatility.
- Option of 100% allocation for loan 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.
push retirement back by 4-5 years
Prasunjit Dutta is saving for his child goals and retirement. Here’s what the doctor advised:
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portfolio check-up
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- Investments in equity funds for the last 6-7 years.
- A marginal increase in SIP every year will help in achieving the target.
- Early retirement at 55 is not possible. Push it to 60.
- 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.
MyMoneyMantra Managing Director and Founder Raj Khosla analyzes the portfolio
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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?