MF portfolio doctor: Money goals are within reach but Sagar needs to reduce number of schemes

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.

Deepali Sagar is investing to buy a house, her child’s college education and her own retirement. Here’s what the doctor has advised her:




PORTFOLIO CHECK-UP

Note from the doctor

• Avoid sector schemes. Diversified funds yield better results.
• Avoid fixed deposits as interest is fully taxable at slab rate. Go for debt mutual funds instead.
• Review investments and rebalance at least once in a year.
• Reduce risk when goal is near so that you don’t miss the target.

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.
• 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.