Exploring My Investment Journey: My Portfolio with Mutual Funds

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.

InstrumentApprox. Allocation %
EPF / Employee Provident Fund18
PPF / Public Provident Fund4.5
NPS / National Pension Scheme14
Mutual Funds38
Real Estate (Besides residential house)18
Gold Bonds0.3
Physical Gold4.1

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 classApprox. allocation %
Real Estate18

My Equity oriented Mutual Funds

Below are list of Equity Oriented Mutual Funds in my portfolio as on 25th March 2024

Mutual FundCurrent Proportion in %XIRR %
Parag Parikh Flexicap Fund33.723.71
Edelweiss Balanced Advantage Fund27.317.3
ICICI Balanced Advantage Fund27.314.78
HDFC Midcap Fund9.141.13
SBI Small Cap Fund2.624.75
Overall Equity Portfolio XIRR as of 25th March 2024 is 18.22%

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.

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