Embarking on the journey of investing is not just about financial gains but also about personal growth and learning. In this blog, I am thrilled to invite you into my world of investments, where I’ll share insights, strategies, and experiences gained through managing my portfolio. Investing has been a passion of mine for years, driven by a desire to secure my financial future and achieve my long-term goals. Through this platform, I aim to provide a glimpse into my investment philosophy, the rationale behind my decisions, and the outcomes—both successes and challenges—that have shaped my journey thus far. Join me as we delve into the fascinating realm of finance and explore the intricacies of my investment portfolio.
My Risk Profile
Risk profiling assesses your comfort with market fluctuations and guides investment decisions. It considers factors like financial goals and time horizon to determine suitable risk levels. By understanding your risk profile, you can align investments with your preferences and objectives. Whether conservative or aggressive, each profile offers tailored strategies for building a diversified portfolio.
You can read, my blog on risk profiles if you want to learn more. Risk profile also changes with time, circumstances, your knowledge and of course age.
My current risk profile is : Balanced
My Investment across different instruments
Below is my investment spread across various different types of financial investments.
| Instrument | Approx. Allocation % |
|---|---|
| EPF / Employee Provident Fund | 18 |
| PPF / Public Provident Fund | 4.5 |
| NPS / National Pension Scheme | 14 |
| Mutual Funds | 38 |
| Real Estate (Besides residential house) | 18 |
| Gold Bonds | 0.3 |
| Physical Gold | 4.1 |
| Gratuity | 3 |
My investment across different asset classes
Investing across a variety of asset classes such as equity, gold, debt, and real estate can offer diversification and risk mitigation benefits.
Equity investments provide potential for long-term growth, albeit with higher volatility.
Gold, often considered a safe haven asset, can act as a hedge against economic uncertainties and inflation.
Debt investments, including bonds and fixed-income securities, offer stability and regular income streams with lower risk compared to equities. Real estate investments, such as property and real estate investment trusts (REITs), provide a tangible asset with potential for rental income and capital appreciation.
By allocating investments across these asset classes, investors can build a well-rounded portfolio that balances risk and return while harnessing the unique characteristics of each asset type.
Below is my investment spread across different asset classes.
| Asset class | Approx. allocation % |
|---|---|
| Debt | 41 |
| Equity | 37 |
| Real Estate | 18 |
| Gold | 04 |
My Equity oriented Mutual Funds
Below are list of Equity Oriented Mutual Funds in my portfolio as on 25th March 2024
| Mutual Fund | Current Proportion in % | XIRR % |
|---|---|---|
| Parag Parikh Flexicap Fund | 33.7 | 23.71 |
| Edelweiss Balanced Advantage Fund | 27.3 | 17.3 |
| ICICI Balanced Advantage Fund | 27.3 | 14.78 |
| HDFC Midcap Fund | 9.1 | 41.13 |
| SBI Small Cap Fund | 2.6 | 24.75 |
Websites / app I use for my investment needs
I am using free Kuvera app for investing in mutual funds for more than 4-5 years now and I am 100% satisfied with it. It is free and allows me to invest in direct plans and save on distributor comission.
For my overall portfolio tracking I use google sheet and INDMoney app. Both have served me well so far.
Changes to my Mutual Fund Portfolio / SIPs
In this section, I will mention changes I do to my portfolio or investments. Do comment if you have any queries or questions. For notification of any change in my portfolio, you may subscribe to my blog.
Pre Jan 2024
SIP were on for 50K in Parag Parikh Flexicap Fund and 25K each in HDFC Midcap and SBI Small cap Funds
Jan 2024
Looking at unsustainable run up in Midcap and small cap space, have stopped SIPs in HDFC Midcap and Small Cap Funds and they have been switched to balanced advantage funds. So current SIPs are 50K in Parag Parikh Flexicap Fund and 25K each in ICICI Balanced Advantage Fund and Edelweiss Balanced Advantage Fund. This is temporary tactical change looking at current market scenario.
