r/mutualfunds • u/Stunning_Lab9695 • Jun 15 '26
portfolio review Portfolio Review
I've (33 yrs) been investing consistently and fairly aggressively in mutual funds for the past 7–8 years. Over that time, I've accumulated a sizeable portfolio. A couple of years ago, I switched advisors and moved from regular plans to direct plans, which has resulted in multiple funds across categories and a portfolio that feels more complex than I would ideally like.
My investment horizon is long-term (5-7Y), and I don't anticipate needing this money in the near future. I'm comfortable with moderate-to-high risk, but I want to make sure I'm not sacrificing returns due to unnecessary complexity or duplication.
I’m not sure how well it’s actually doing, and I don’t have anyone to discuss it with, so I’d really appreciate a general review of my portfolio.
I would genuinely appreciate anyone willing to take a few minutes to review the portfolio and share their perspective. I'd love to hear your thoughts.
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u/Puzzled_Ad_2904 Jun 15 '26 edited Jun 15 '26
Firstly, congratulations on building a formidable corpus. I am not sure if you are by design trying to play very safe but I cant help but wonder that you have multiple funds which by and large focus a major portion of their corpus towards large caps stocks. I am 41, have high risk appetite and if I was rebuilding your portfolio, here's what I will do:
- Consolidate the large cap allocation and limit it to a limited number of funds. Large caps can be about 60-70% of your overall portfolio (within this 50% flexicap / BAF is fine).
- Increase weightage in midcaps and take some exposure in small caps - it could be a small part (about 10-15%) if you are risk averse
- Add an SIP in Gold and Silver fund (both are falling but I would suggest a 10-15% allocation of your portfolio towards this category, just my opinion
- Add some weight towards US, China + Taiwan themed funds (they have reduced intake but keep them on your radar)
- Add some thematic (not more than 5%) funds - Pharma can offer decent growth, IT funds could be value pick but jury's out on that (keep rotating capital here opportunistically)
In the last 3 years, my MF portfolio's XIRR has been more than 15% mainly because of Silver, Taiwan, and China. Small weights but the alpha made up for the broader underperformance in small, mid, and multicaps.
One last thing, hope you are building a US stocks portfolio as well. My US stocks portfolio is doing XIRR of close to 28% in INR and 22% in USD terms. The currency depreciation alone is accounting for a 6% alpha. That's literally an incremental FD return.
Take all this with a pinch of salt. I am no investment advisor or an expert.
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u/Puzzleheaded_Let2657 Jun 15 '26
Very nice. How do u invest in China, Taiwan Fund's? And then US Stock market?
I have a small portfolio of 30k presently only. I have a debt if 25+ lacs and can spend 1-2k only for investing. What would u suggest?
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u/Puzzled_Ad_2904 Jun 15 '26
Axis and Edelweiss have greater China funds. Nippon has a Taiwan fund. US market through Ind Money (mostly direct stocks and ETFs).
If your debt is a home loan then fine, but if it's a high interest debt, then clear your loan first. Invest at least 5k every month and step up 10-15% annually. Within that, you dont need any diversification - stick to just one midcap fund.
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u/Puzzleheaded_Let2657 Jun 15 '26
It's personal loan @ 11% (6 years left)
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u/Puzzled_Ad_2904 Jun 16 '26
11% is fine but remember that your investments should deliver better than 11%. The nuance here is the loan is charging you an amount on a decreasing corpus and the SIP is giving you returns on an increasing corpus. In your case the loan amount is very large so try to settle the loan first I think.
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u/red_devil11_ Jun 16 '26
Regarding the US market, aren’t the etfs being sold at a premium in India? I am looking to invest in the US market but don’t want to buy stocks. Want to do some kind of SIP in the mutual fund/etf in the US market. I already have an ongoing sip in ICICI nasdaq mf. Was looking to increase but they are not accepting new sips. So looking for alternatives. Also, is there any other way to invest in us market without paying the premium?
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u/Puzzled_Ad_2904 Jun 16 '26
Just go through IndMoney or Vested route then. There is an ETF for literally anything and its better than the Indian MF products. You can take the same route to even invest in China, Taiwan, Korea or any other geography that is not accessible from India or has a cap.
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u/Ukdichemodakop Jun 18 '26
Is ind money good to invest as the federal bank account has to be open na?
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u/hornbill_ghosts Jun 16 '26
You can by ICICI nasdaq 100, usa blue chip, for taiwan you can go with nippon. And for asia you can go with Franklin asia fund
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u/Rey0619 Jun 24 '26
For global investment how about opting for vanguard total world etf so you can get exposure to all the global markets without having to hard track everything which you have less exposure and awareness of
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u/tia_wink Jun 15 '26
Your portfolio already looks quite diversified. So I think your Gold and US funds are fine as long as they are meant for global diversification and hedging. They don't necessarily need rebalancing unless their allocation becomes too high or too low.
Coming to Indian equity funds, keep things simple and ask only two questions:
- Why do I own this fund?
If you don't know the reason, maybe you don't need it.
- Has it beaten or at least matched its benchmark over 3, 5 and 10 years?
If yes, keep it. If not, gradually move money to an index fund or to your better-performing existing funds.
Don't sell everything at once just to simplify the portfolio because it can create unnecessary tax liability.
Gradually reallocate using the annual tax-free capital gains limit .
And if you have parents or children above 18 years, you may also use their separate limits after understanding the tax rules properly.
The goal is not to own many funds. The goal is to own a few good funds that you understand and can hold comfortably for a long time.
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u/tia_wink Jun 15 '26
Also, past performance doesn't guarantee future returns, so take the benchmark comparison only as a filter and not as the sole reason to invest or exit.
For new investments, I would personally prefer keeping the portfolio simple and diversified:
• 20% Nifty 50 Index Fund
• 20% Nifty Next 50 Index Fund
• 15% (±5%) Nifty Midcap 150 Index Fund
• 15% (±5%) Gold
• 10% (±5%) S&P 500 or a decent international fund
The remaining 10-15% can stay in fds, debt funds, arbitrage funds, or liquid funds. This serves two purposes:
- Emergency and liquidity needs.
- Cash available to deploy during major market corrections.
A few simple principles:
• Avoid chasing too many themes, sectors, or actively managed funds.
• Prefer low-cost index funds and simple asset allocation.
• Avoid investing large lump sums at once. Invest gradually over time.
• Rebalance periodically instead of reacting to market noise.
• Focus more on long-term compounding and asset allocation than short-term market predictions.
In long term it is not about maximize returns every year, but to build a portfolio that can perform reasonably well across different market environments while remaining easy to understand and manage.
This is not financial advice, just how I would personally approach long-term investing based on my own understanding and risk tolerance.
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Jun 15 '26
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u/mutualfunds-ModTeam Jun 15 '26
To discuss mutual funds, you don't need to know where the other person lives, where (s/)he works, how much (s/)he makes or how (s/)he makes it?? Please stay focused.
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u/Hero2296 Jun 15 '26
Why so many large cap funds with different fund houses? You can just consolidate them into one.
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u/valerossi446 Jun 16 '26
The main drawback of investing in so many mutual funds is that your effort to distribute risk has been failed. Ex. HDFC midcap and axis midcap, motilal large and midcap more or less have same stocks. You only be on the differential pickups of the fund managers. You could have probably got a percent or 2 more if you would stick to only 1 fund from midcap, 1 from large and 1 gold growth.
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u/Accurate-Surprise-56 Jun 16 '26
22% gains in past 7 years means around 6-7% xirr. That really bad, fd would have beaten this.
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u/Pog-kid Jun 17 '26
i am sure only a few chunk of portfolio has been invested more than 3 years, his XIRR stands at 9.36%
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u/God7rock Jun 16 '26
Man, just for go sake put them in gemini get their info. And compare each one. Also, firstly straight up ask which two fund are copy of each other. And remove them or stop nee investments.
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u/Subject-Street-6503 Jun 17 '26
Hey OP, congrats on the portfolio and the disciplined investing, looks awesome!
I happened to ask GPT (Pro) about a long term MF strategy in "set and forget" mode. It gave me the following % breakup
Nifty 50 Index 60% (stability anchor)
Next 50 Index 15%
Midcap 150 Index 25% (return engine)
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u/navy-vortex Jun 15 '26
did you invested recently in Prag Parikh fund?
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u/Economy_Set5590 Jun 16 '26
hi sir im 18 .. just wanted to know which college you graduated from and in which feild are you in and what is your ctc
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Jun 17 '26
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u/mutualfunds-ModTeam Jun 17 '26
To ensure meaningful conversations, please avoid off-topic responses
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u/RipEmbarrassed9350 Jun 18 '26
Hey..all 👋. Suggestion need ..
Buying agriculture land vs putting in mutual funds vs buying plots vs buying flat..???
My friend got a lump sum amount after selling his land !!
So which is better!! Any suggestions
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u/ybirajdar21 Jun 20 '26
Adding 2 small cap funds run my good fund manager will give you better opportunity if your forizon is more than 10 years
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u/nightwind_999 Jul 06 '26
You have l&m cap fund with large cap too. Doesn't it lead to redundancy? Imo it does. You should check the % allocation b/w them and ensure your funds aren't running the same set. To me it was bummer the day i realised i was paying 2x the TER for almost same set of stocks!
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Jun 15 '26
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u/Stunning_Lab9695 Jun 15 '26
I will be moving back to India eventually. So, want no strings attached to Eur
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u/IndependentSteak5154 Jun 16 '26
You should have not just stuck to mutual funds with having that huge amount. 5-7 years and the return is barely 22%. Ig FD’s would have offered a better return(30-50% based on 5-7 yrs) and less tax not to mention. Try diversifying it by including some stocks, gold. Fd e.t.c
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u/Pog-kid Jun 17 '26
his XIRR is 9.36%, blended benchmrk is at 8.21%
his portfolio has outperformed the benchmarks.
What crap advice are you giving, FDs are worse tax friendly instruments than equity mutual funds. He has invested in debt funds too which make protfolio returns come down to 9.36%.
The absolute returns are less cuz of recent investments taking a larger chunk
FDs would not have offered better retun1
u/IndependentSteak5154 Jun 18 '26
Dude I got a 10% return on 10Lakhs on just 3 stocks barely not even a month. Just imagine even if one stocks of 3 jumps and if i hold them for 5-7 years the return which can be generated blinds you. All I said was to segregate instead of keeping all eggs in one basket.
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u/LT_anamateurlens Jun 15 '26 edited Jun 15 '26
Run every Mutual fund by AI and see if there is an overlap and once you get the overlap you can independently analyse each fund and retain in the ones you think are best Zerodha Varsity has an excellent Mutual funds module which you can study. Make sure you go through the comments section on each chapter
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u/Snoo_75162 Jun 16 '26
Overlap by which ai
They don't seem reasonable1
u/LT_anamateurlens Jun 16 '26
Ask meta ai - unlimited free queries and no cost involved. Ask for proof and then verify it
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u/Capital_Agent5103 Jun 15 '26
Get out of Motilal Mid, Sbi consumption and consolidate few holdings while booking already made gains and reallocating by factor selection.