MF portfolio doctor: Why Agarwal needs to increase retirement corpus to achieve financial goals

Not many investors know whether they have invested in the right funds 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 regard to the goals and, if required, recommends corrective measures.

The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.

1. Vaibhav Agarwal is saving for short and long-term goals. Here’s what the doctor has advised him:
Goals
Portfolio check-up

• Invests in a mix of equity and debt funds.
• Some funds have done well but most underperformed.
• Early start makes it easy to reach goals.
• Holiday goal is short term. Use debt funds to save for that.
• Other two goals are long term, so focus on equity funds.

Investment portfolio
Note from the doctor

2. Early start, regular SIPs make it easy
Kalyani Singh is saving for his children’s education and retirement. Here’s what the doctor advised:

Goals
Portfolio check-up

Investment portfolio
Assumptions used in the calculations
Inflation
Education expenses: 10%
For all other goals: 7%

Returns
Equity funds: 12%
Debt options: 8%

(Portfolios analysed by Raj Khosla, Managing Director and Founder, MyMoneyMantra)

If you want your portfolio examined, write to etwealth@timesgroup.com with "Portfolio Doctor" as the subject. Mention the following information:

• Names of the fund you hold
• Current value of the investment.
• If you have SIPs running in any of them.
• The financial goals for which you invested.
• How much you need for each financial goal.
• How far away is each goal.