Should I Invest 80% in Equity and 20% in Debt, or Should I Adjust My Portfolio?

Ans:

Ans: It's great to see your proactive approach towards investing. Let's assess your current mutual fund investments and explore whether any adjustments are needed.

Reviewing Current Investments
Diversification Strategy
Your investment strategy reflects a diversified approach by investing in midcap, small cap, healthcare, and equity funds.

Performance Analysis
Evaluate the performance of your current funds against relevant benchmarks to gauge their effectiveness in meeting your financial goals.

Considerations for Continuation or Switching
Fund Performance
Assess the historical performance of each fund to determine if they consistently outperform their benchmarks.

Risk Appetite
Consider your risk tolerance and ensure your investment choices align with your risk appetite and financial goals.

Potential Action Steps
Consultation with a Certified Financial Planner
Seek guidance from a Certified Financial Planner (CFP) to review your investment portfolio comprehensively and ensure it aligns with your financial objectives.

Periodic Portfolio Review
Regularly review your investment portfolio to stay informed about market trends and make necessary adjustments based on changing economic conditions.

Final Recommendation
Stay Informed
Stay updated on market developments and seek professional advice when considering changes to your investment strategy.

By regularly reviewing your mutual fund portfolio and consulting with a Certified Financial Planner, you can make informed decisions to optimize your investments and work towards your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: You are most welcome!

Also you MUST review performance of your fund portfolio just to ensure that growth is moving in the right direction.
Ultimately your hard earned money is at stake.

Ans: Hello;

You need not close your investment in debt funds, in fact increase it further.

You should move away from equity(0-20%) in a big way since you are approaching retirement age.

Invest in gold funds(10-20%) and multi asset allocation/equity savings type of funds.

Happy Investing;
X: @mars_invest