MF portfolio doctor: Jaiswal needs to delay retirement by 5 years to achieve money goals

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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.

| Bhawesh Jaiswal wants to start a business at 45 and retire at 50. Here’s what the doctor has advised:


Portfolio check-up

  • Started investing in stocks and equity funds two years ago but stopped when SIPs ended.
  • Has too many funds. Needs to reduce the number.
  • Targets is too ambitious. Will have to defer retirement by five years.
  • Has not counted other future goals such as children’s education and marriage.

Investment portfolio


Note from the doctor

  • Avoid insurance as an investment. Use only for protection.
  • Don’t go for stocks if you don’t have expertise or temperament.
  • Review investments and rebalance at least once in a year.
  • Reduce risk when goal is near so that you don’t miss the target.

|| Hike investments to reach ambitious targets
Piyush Soni invests in equity funds for his child’s studies and retirement. Here’s the doctor’s advice:



Portfolio check-up

  • Started investing in equity funds about 2-3 years ago.
  • Funds are good but needs to increase investments.
  • All SIPs will also have to be hiked every year.
  • Avoid investing in thematic funds. Diversified schemes are better.
  • Review portfolio at least once a year. Change if any fund’s performance slips.
  • Reduce risk when goal is near so that you don’t miss the target.

Investment portfolio


Assumptions used in the calculations

Education expenses: 10%
For all other goals: 7%

Equity funds: 12%
Debt options: 8%

Portfolios analysed by Raj Khosla, Managing Director and Founder, MyMoneyMantra

Write to us for help

If you want your portfolio examined, write to [email protected] with ‘Portfolio Doctor’ as the subject. Mention the following information:
Names of the funds you hold.
Current value of the investment.
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.

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