Can some one comments on my portfolio ?

POSTED BY kuberlakshmi ON December 22, 2013 5:38 pm COMMENTS (9)

Hello:

41 years; PPF : Covered; Term Insurance: 2.5Cr; Take Home : 1.2L (Expenses 35K+15K Contingency); Contingency : Covered for 5 Years

55L in Bank FD , help in to build portfolio for long term 10-15 years. Focusing on Mutual Funds with 40L and Stocks 15L.

Every Month additional 50-75K (65% MF and 35% Stocks) via SIP or advisable mode.

Post portfolio build how it looks, any pictorial future projection with 5-10-15 year range comparing with prior performance – highly appreciated.

Thanks for reviewing and appreciate.

9 replies on this article “Can some one comments on my portfolio ?”

  1. ashalanshu says:

    Dear Kuberlakshmi, I w’d invest in MFs – Franklin India Bluechip and Quantum Long Term Eq.

    Thanks

    Ashal

  2. kuberlakshmi says:

    Thanks – cool. Where do you see yourself put this lump sum into. (leaving Business)

  3. ashalanshu says:

    Dear Kuber, If it’s my own money and I need it after at least 15Y, I w’d invest in one lump sum.

    Thanks

    Ashal

  4. ashalanshu says:

    Dear Kuber, if you are going to invest for 15Y and the amount of 40L Rs. ‘ll be invested in next 3-5Y at least, are you not going to play with the volatility of the market and there ‘ll be less time for future SIPs/STPs which ‘ll impact the compounding. Think over it.

    Thanks

    Ashal

    1. kuberlakshmi says:

      Thanks. Happy New Year` 2014

      May I know how would you plan –

  5. ashalanshu says:

    Dear Kuber, as you are telling that you want to invest for a long term, at least 15Y, are you ready to put 40L Rs. in a single shot in the MFs and ‘ll not bother for short term volatility?

    I do not know, who was your paid planner and what role he played with your portfolio but from your reply, it seems your portfolio churning was higher. Personally I do not like to churn portfolio every now and then.

    Regarding your comment that you ‘ll check the performance on qtly basis and post the same here, in my personal opinion (you mauy disagree), you are not going to do any good for your wealth creation. Rome was not built in a day. So daily or mly or qtly tracking is not required at all.

    Thanks

    Ashal

    1. kuberlakshmi says:

      Thanks for the reply Ashal. Keeping it short.

      Out of 55L, 15K wanted to invest in STOCK, 40L in MF -> say SIP/STP every month (3-5 or even less MF), would like to go for direct-dividend/growth what is best. No one-go. Will re-balance based on conditions could be a year more or less. The long term 15Years is not meant lock in and forget, but not to utilize as regular account.

  6. kuberlakshmi says:

    Thanks Ashal for your review and precise reply. I like it.

    The numbers are 100% correct, I am on Target agree with you and your insight. As funds are in Fixed Deposit thinking to invest in market via Mutual Fund and Stocks route. I know I said long term 10-15 yrs and know that nothing is stable/same. The 10-15 years includes re-balancing.

    *** Looking for handful of Stocks (May be <10) and MF (May be 3-5) , that I can easily monitor and take timely balancing act.

    I did approach financial planner and paid near Rs17K, it became nuisance to me who is planning, constant call to buy that this and etc., Almost difficult to find the right one. Stumbled on this site found members like you are really more informed and doing really good job helping all along.

    Please comment and when you and/or other guru's convince the reply then suggest not at all in "Hurry". Again I said not in "Hurry" making suspicious/fun NO, planning as year end is approaching FD is maturing in Jan last week.

    Every QTR post investment, will post how portfolio is doing with numbers alone, as I said earlier as re-balancing will request again if re-balancing is necessary.

    Thank you very much for your valuable time spent and spending, wish you good luck and every one – Merry Christmas and a very Happy and Prosperous New Year.

  7. ashalanshu says:

    Dear Kuber, if I say you are well on target, what ‘ll you do?

    Again if I say, you are not doing good, what ‘ll you do?

    I don’t know that the numbers quoted by you are correct or are you making fun but if you are correctly quoting the numbers, you should take services of a fee only paid financial planner.

    Thanks

    Ashal

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