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26-Year-Old With 2 Crore Portfolio: Seeking Advice and Guidance

Nitin

Nitin Narkhede  |98 Answers  |Ask -

MF, PF Expert - Answered on Apr 02, 2025

Nitin Narkhede, founder of the Prosperity Lifestyle Hub, is a certified financial advisor with eight years of experience in helping clients design and implement comprehensive financial life plans.
As a mentor, Nitin has trained over 1,000 individuals, many of whom have seen remarkable financial transformations.
Nitin holds various certifications including the Association Of Mutual Funds in India (AMFI), the Insurance Regulatory and Development Authority and accreditations from several insurance and mutual fund aggregators.
He is a mechanical engineer from the J T Mahajan College, Jalgaon, with 34 years of experience of working with MNCs like Skoda Auto India, Volkswagen India and ThyssenKrupp Electrical Steel India.... more
Shubham Question by Shubham on Apr 01, 2025Hindi
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Sir, Age 26 Equity Portfolio= 2 Cr Sectoral distribution of wealth in portfolio: 40% IT and Tech, 15% Infra Developers and Operators, 15% Banks, 5% Pharma, 10% Metals, 10% Utilities 5% Other. Kindly Scrutinise my Portfolio and suggest some changes. Also please advise on how to identify buy zone or buy range for a stock. How to incorporate a margin of safety, kindly suggest a methodology of research or thought process. Also, how to hold or deploy the encashed stocks in bull market? I sell fundamentally weak stocks in bull market time, but I don't know what to do with the cash, because buying in an overheated market seems like a bad idea, but the cash lies unused. Need to put it to work somehow.

Ans: Dear Shubham, Your portfolio is heavily skewed towards IT and Tech (40%), making it highly vulnerable to sector-specific downturns. Reducing IT to 25-30% and reallocating to defensive sectors like FMCG, Pharma, or diversified financials can improve stability. Also, Infra (15%) and Metals (10%) are cyclical—consider trimming them slightly in favor of consumption-driven sectors. For deploying cash in a bull market, park it in liquid funds, arbitrage funds, or debt instruments while waiting for corrections. Alternatively, use a SIP approach in quality stocks or ETFs to avoid bad timing risks. Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
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Hello Sir/Ma'am, I hope you are doing well. Could you please provide your guidance regarding my investment portfolio? I am 46 years old and currently have a mutual fund portfolio valued at 2 crores, with an approximate XIRR of 23%. My objective is to invest an additional 1 crore in mutual funds. I plan to hold these investment for the next 6-7 years before making any withdrawals using the Systematic Withdrawal Plan (SWP). My goal is to achieve a total portfolio value of 6 crores in the next 5-6 years. At present, I am invested in 20 mutual funds, which I realize is quite a lot. Could you please review my current funds and suggest where I should invest the additional 1 crore? I would like to eliminate any unnecessary overlap and focus on investments that will help me achieve my goals. I am considering switching from Motilal Oswal Defence Index to Motilal Oswal Mid Cap and from Quant Infrastructure Fund to Quant Mid Cap. These are just preliminary ideas. Could you help me streamline my portfolio and recommend where to invest the additional 1 crore considering aggressive risk taker ? ##############LARGE Cap 1. ICICI Prudential Bluechip Fund - 18L ##############Flexi Cap 2. HDFC Flexi Cap Fund - 29L 3. Parag Parikh Flexi Cap - 17L 4. Quant Flexi Cap - 10L ############# Multi Cap 5. Nippon India MULTICAP FUND - 25L ############# Mid CAP 6. HDFC Mid Cap Opportunities - 14L 7. Motilal Oswal Mid cap - 5.5L #############Small Cap 8. KOTAK SMALL CAP FUND - 11L 9. ICICI Prudential Smallcap Fund - 5L 10. Tata Small Cap Growth Direct Plan - 4L 11. HDFC Small Cap Fund Direct - 2.6L 12. Nippon India Small Cap - 3.5L ############INDEX 13. HDFC Index Nifty 50 Growth Direct Plan - 10L 14. ICICI Prudential Nifty Midcap 150 Index Growth Direct Plan - 7L 15. HDFC NIFTY Smallcap 250 Index Fund Direct - 5L 16. Motilal Oswal Nifty Microcap 250 Index Growth Direct Plan - 2.5L 17. UTI Nifty200 Momentum 30 Index Growth Direct Plan - 11L 18. UTI Nifty Next 50 Index Growth Direct Plan - 11L 19. Motilal Oswal Nifty India Defence Index Growth Direct Plan - 2L ################# Thematic 20. Quant Infrastructure fund - 9.5L
Ans: Current Portfolio Overview
Your mutual fund portfolio is valued at Rs. 2 crores. You have an impressive XIRR of 23%. You plan to invest an additional Rs. 1 crore. You aim to achieve a portfolio value of Rs. 6 crores in 5-6 years. Your current investments are spread across 20 mutual funds.

This diversification is quite extensive. Streamlining is needed to avoid overlap and enhance performance.

Evaluating Fund Categories
Large Cap
ICICI Prudential Bluechip Fund - Rs. 18L
Bluechip funds provide stability. They should form the core of your portfolio.
Flexi Cap
HDFC Flexi Cap Fund - Rs. 29L
Parag Parikh Flexi Cap - Rs. 17L
Quant Flexi Cap - Rs. 10L
Flexi Cap funds offer balanced exposure. They adapt to market conditions.
Multi Cap
Nippon India Multi Cap Fund - Rs. 25L
Multi Cap funds provide a mix of large, mid, and small caps. They offer diversification within a single fund.
Mid Cap
HDFC Mid Cap Opportunities - Rs. 14L
Motilal Oswal Mid Cap - Rs. 5.5L
Mid Cap funds have higher growth potential. However, they are riskier.
Small Cap
KOTAK Small Cap Fund - Rs. 11L
ICICI Prudential Smallcap Fund - Rs. 5L
Tata Small Cap Growth Direct Plan - Rs. 4L
HDFC Small Cap Fund Direct - Rs. 2.6L
Nippon India Small Cap - Rs. 3.5L
Small Cap funds can deliver high returns. They are suitable for aggressive investors.
Index Funds
HDFC Index Nifty 50 Growth Direct Plan - Rs. 10L

ICICI Prudential Nifty Midcap 150 Index Growth Direct Plan - Rs. 7L

HDFC NIFTY Smallcap 250 Index Fund Direct - Rs. 5L

Motilal Oswal Nifty Microcap 250 Index Growth Direct Plan - Rs. 2.5L

UTI Nifty200 Momentum 30 Index Growth Direct Plan - Rs. 11L

UTI Nifty Next 50 Index Growth Direct Plan - Rs. 11L

Motilal Oswal Nifty India Defence Index Growth Direct Plan - Rs. 2L

Index funds have lower fees but lack active management benefits. Active funds can outperform by selecting high-potential stocks.
Thematic Funds
Quant Infrastructure Fund - Rs. 9.5L
Thematic funds focus on specific sectors. They offer higher risk and reward.
Portfolio Streamlining Suggestions
Reduce Overlap
Consolidate Flexi Cap funds. Keep one or two best-performing funds.
Reduce Mid Cap and Small Cap funds. Focus on top performers.
Minimize Index funds. Their passive nature may limit growth.
Recommended Fund Adjustments
Switch from Index funds to actively managed funds. Active funds can outperform the market. They offer better stock selection and management.
Consider reducing your Thematic fund exposure. They carry sector-specific risks.
New Investments
Allocate new Rs. 1 crore across top-performing Large Cap, Flexi Cap, and Small Cap funds.
Focus on funds with strong historical performance and potential.
Portfolio Allocation Strategy
Large Cap: 40% of your portfolio. They provide stability.
Flexi Cap: 30% of your portfolio. They adapt to market changes.
Small Cap: 20% of your portfolio. They offer high growth potential.
Thematic Funds: 10% of your portfolio. They add diversity and high risk-reward.
Final Insights
Streamlining your portfolio will reduce overlap and enhance returns. Focus on a mix of Large Cap, Flexi Cap, and Small Cap funds. Avoid over-diversification and index funds. Invest additional Rs. 1 crore in high-performing funds. This strategy will help achieve your goal of Rs. 6 crores.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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