retirement planning: portfolio doctor MF: Kohli’s retirement savings need equity exposure to fight inflation

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Few investors know if they have invested in the right funds and if their fund portfolio is on the right track. The Portfolio Doctor assesses the health of the fund portfolio, reviews the schemes and their suitability for the objectives and, if necessary, recommends corrective measures. The advice given is based on the performance of the funds, the investor’s risk profile and their financial objectives.

Vijay Kohli is saving for her children’s goals and retirement. Here is what the doctor advised him:

PORTFOLIO CHECK-UP

  • Invest in a mix of equity mutual funds over the past 4-5 years.
  • Early start helped, but needs to increase SIPs by 5% each year.
  • Some lagging funds need to be replaced with better regimes.
  • Delay retirement by 2-3 years to reduce stress on investments.

Doctor’s note

  • Avoid sectoral and thematic schemes unless you are sure of the prospects.
  • Use the NPS to save for retirement and reduce taxes.
  • Review investments and rebalance them at least once a year.
  • Reduce the risk when the target is close so you don’t miss the target.
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Postponing retirement for 10 years: V
enkatesh is saving for her children’s education and retirement. Here is what the doctor advised:

PORTFOLIO CHECK-UP

  • Invest in equity funds over the past 3-4 years.
  • A late start means you won’t be able to achieve your goals with existing investments.
  • Must increase investments and increase SIPs every year.
  • Retirement at 50 impossible due to a small corpus. Defer up to 60.
  • Review the mutual fund portfolio at least once a year. Change if the performance of a fund
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WRITE US FOR HELP

If you would like your portfolio reviewed, write to etwealth@timesgroup.com with “Portfolio Doctor” in the subject. Mention the following information:

  • Names of funds you hold.
  • Current value of the investment.
  • If you have SIPs running in any of them.
  • The financial objectives for which you have invested.
  • How much you need for each financial goal.
  • How far away each goal is.


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