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Portfolio Checkup: Need Advice for Optimizing My Investments

Milind

Milind Vadjikar  |598 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 05, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Chandrakant Question by Chandrakant on Sep 05, 2024Hindi
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My port folio is as given below.. kindly provide ur inputs which ones to keep and which ones shall be removed from portfolio Scheme Name Balance Units Average Cost Value Current NAV Present Value HDFC MUTUAL FUNDTotal Value : ? 1,46,050.83 HDFC FLEXI CAP FUND-GROWTH38.4100? 60,001.0000? 1,903.4920? 73,113.13 HDFC LARGE AND MID CAP FUND REGULAR- GROWTH209.5020? 59,996.8400? 348.1480? 72,937.70 ICICI PRUDENTIAL MUTUAL FUNDTotal Value : ? 69,552.24 ICICI PRUDENTIAL NIFTY 50 INDEX FUND-GROWTH276.3320? 59,996.7200? 251.6981? 69,552.24 NIPPON INDIA MUTUAL FUNDTotal Value : ? 70,701.59 NIPPON INDIA LARGE CAP FUND-GROWTH788.9860? 59,996.9100? 89.6107? 70,701.59 SBI MUTUAL FUNDTotal Value : ? 72,700.83 SBI CONTRA FUND-GROWTH

Ans: Can you present it in a tabular format plz. Also specify the goal for which you are accumulating these MF units, time on hand so as to be able to provide clear feedback.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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I am 30 years old and I am investing following SIP 1) Parag Parikh Flexi cap Fund - 3K 2) Mirae large and mid cap Fund - 3k 3) Nifty 50 index fund - 3K 4) Nifty mid cap 250 index fund - 2K 5) Nippon small cap Fund - 1K 6) Goldbees - 1K Also I am planning to opt for Nifty 200 monumentum low volatility 30 fund for 2K. Along with that I am investing on direct stocks ITC,Mannapuram,JSW infra , TATADVR, NAPCO Pharma. Please review my portfolio and let me know to restructure
Ans: Your investment portfolio reflects a diversified approach across various asset classes, including mutual funds and direct stocks. While your strategy appears well-rounded, here are some suggestions to consider for potential restructuring:

Active Mutual Funds Over Index Funds: Instead of Nifty 50 index fund and Nifty mid cap 250 index fund, consider allocating more towards actively managed mutual funds. Active funds have the potential to outperform the market indices by leveraging the expertise of fund managers to select high-quality stocks and navigate market fluctuations effectively.
Focus on Quality Active Funds: Look for actively managed funds with a track record of consistent performance and robust investment strategies. Funds like diversified equity funds, large-cap funds, and mid-cap funds with proven track records can offer growth potential while managing risk effectively.
Review Direct Stock Holdings: Evaluate your direct stock holdings and consider consolidating them into a more concentrated portfolio of high-quality companies with strong growth prospects and solid fundamentals. Diversification is essential, but too many stocks can dilute the impact of your best-performing investments.
Regular Portfolio Review: Periodically review your portfolio's performance and make adjustments as needed based on changing market conditions and your investment goals. Rebalancing your portfolio and reallocating investments to areas with better growth potential can help optimize returns over the long term.
Remember, while mutual funds offer diversification and professional management, direct stock investments can provide opportunities for higher returns but also come with higher risks. Consider consulting with a Certified Financial Planner to tailor your investment strategy to your specific financial goals, risk tolerance, and time horizon.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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