If your portfolio is equity heavy, add debt funds to beat volatility

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.

Sanjay Awasthi is saving for his child’s goals and retirement. Here’s what the doctor advised him:



PORTFOLIO CHECK-UP


Note from the doctor

• Portfolio has small & mid cap skew, be ready for volatility.
• Opt for 100% allocation to debt in NPS.
• Review investments and rebalance at least once in a year.
• Reduce risk when goal is near so that you don’t miss the target.

Push back retirement by 4-5 years
Prasunjit Dutta is saving for his child’s goals and retirement. Here’s what the doctor has advised:



PORTFOLIO CHECK-UP

• Investing in equity funds for past 6-7 years.
• Small hike in SIPs every year will help reach targets.
• Early retirement at 55 not possible. Push it to 60.
• Review mutual fund portfolio at least once a year. Change if any fund’s performance slips.
• Reduce risk when goal is near so that you don’t miss the target.

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

WRITE TO US FOR HELP
If you want your portfolio examined, write to etwealth@timesgroup.com with “Portfolio Doctor” as the subject. Mention the following information:

• Names of the funds 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.