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.

1. Suresh Kamath wants to have Rs 2.5 crore when he retires in six years. Here’s what the doctor has advised him:



Portfolio check-up

  • Investing in equity funds for the past 10-12 years.
  • Investing regularly, but has too many funds in portfolio.
  • Some funds have slipped and should be replaced.
  • Needs money in six years so should start moving out of some equity funds now.
  • Goal is reachable if all SIPs are increased by 10% every year.
  • In NPS, opt for balanced exposure to equity, corporate bond and gilt funds.

Investor’s existing portfolio


Note from the doctor

  • Avoid buying too many funds. Just 4-5 funds from different categories are more than enough.
  • Review investments and rebalance at least once in a year.
  • Reduce risk when goal is near so that you don’t miss the target.

2. Comfortably placed to achieve all goals

Prashanth Krishnan invests in debt and equity funds for multiple goals. Here’s the doctor’s advice:



Investor’s existing portfolio


Portfolio check-up

Investing in a mix of debt and equity funds for past 12-15 years. Has built a sizeable corpus.

Goal targets are sizeable, but reachable. Some goals don’t need more, while others need small hikes in SIPs every year.

Should gradually shift to debt funds or debtoriented hybrid funds.

Review investments and rebalance at least once in a year.

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)

If you want your portfolio examined, write to 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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