How much to subscribe to your wife's recommendations?

Business analyst

"nooo you must diversify and allocate risk" 
  
 "just ape in" 
  
 Mid curve meme IRL 😂

Product Owner

Well when things are going good stocks will definitely rocket but let’s see same comparison when there’s a downturn

Software Engineer

This is exactly what diversification will do, but this is just one side. When the markets fall, that is the other side

Product Manager

last one year market has been pretty kind to everyone. Even random stock pick has given good returns but wait once there will be downturn 🙂 
  
  
 However i agree lot of diversification in portfolio will not attract good returns. but it wise to have 5-10 stocks rather then 2

Software Developer

Analyst

My diversified larger capital mf portfolio trying to outpace my wife's random 2 stock portfolio

Me vs my wife fml

Me vs my wife fml- Grapevine

Welcome to Personal Finance's Private Community

I never trusted the guy to begin with, begged her to do stocks instead. She finally agreed to buying some of my suggestions once in a while.

After 2 years he stands at 15% while mine is at 27% unrealised profit.

IRCTC, JIOFIN, OIL INDIA and gold were among the decent winners, Naukri dragged the rest of wins down but others are also mostly in the green.

If she had listened to all of my advice it would have been better returns, but there's still room to grow and portfolio will be fine. Might set a few stop losses in place soon.

Cheers to others who have been sharing their financial wins and analysis as well, great to see 😊

Highly recommend everyone to learn the basics of trading, you never know what wonders you could do yourselves. Don't play with leverage or options though, do your own research.

I just beat my mom's MF portfolio manager with my stock portfolio tips

Hi folks

I'm a 21 year old, investing 1000 each into 35 mutual funds
Taking my SIP to 35k per month 

Just to set the context, apart from this, I'm passively investing into ipo's and stocks as well for the long term.

I've read at a lot of places that investing in more than 10 mutual funds is a foolish choice, because most of your stocks are going to be overlapping. But I don't understand why it's called foolish?

There can't be a 100% overlap of portfolio between any 2 mutual fund houses, there is always going to be a significant difference, which adds to the risk diversification any which ways, because my money is spread across multiple set of stocks and across different fund manager brains as well, for e.g. one might sell some of my stock at a high or a low, while other might not.

My diversification is -
45% small cap
25% mid cap
10% large cap
Rest growth or sectoral

I'm open for any feedback/criticism or suggestions even.

I'm investing 1000 each in 35 mutual funds, but don't see any wrong in it.

Hi all awesome people, I have been investing for 7 years now, since I started my job and below is the break down of my current SIPs:

Category	Fund	Amount
Small cap	Nippon India Small Cap Fund	15000
ELSS	Quant Tax Plan	7000
Flexi cap	Parag Parikh Flexi Cap Fund	20000
Index	ICICI Prudential Nifty Next 50 Index Fund	4000
Index	Nippon India Nifty Midcap 150 Index Fund	3000
Index	Nippon India ETF Nifty 50 BeES: Stock SIP	20000
Large & Mid cap	Mirae Asset Emerging Bluechip Fund	11000
Multi cap	Quant Active Fund	5000
Sector: Energy	DSP Natural Resources & New Energy Fund	5000
Sector: Energy	Tata Resources & Energy Fund	5000
Sector: Energy	Nippon India Power & Infra Fund	5000
Global	ICICI Prudential US Bluechip Equity	5000
Global	Navi NASDAQ 100 Fund of Fund	3000
Global	VOO-Vanguard S&P 500 ETF: Stock SIP	5000
Global	VWO-Vanguard FTSE Emerging Markets ETF: Stock SIP	5000
Sector: Precious Metal	Nippon India Gold Savings Fund	3000
Sector: Precious Metal	Aditya Birla Sun Life Silver ETF	4000
Sector: Tech	ICICI Prudential Technology Fund	5000
Value	ICICI Prudential Value Discovery Fund Growth	8000
Total		138000

I had alot of diversification and had multiple active SIPs in same categories, I tried cutting them down based on some analysis. I have few questions:

1. Am I over diversified? I have mostly 1 active SIP now in each sector.

2. Few of categories like multi cap have negligible allocation, should I remove them or allocate more?

3. I am betting heavy on energy please help me decide 1 fund from above 3.

4. I have stopped SIP in a bunch of funds but DID NOT sell them. How do I rebalance existing funds, do I sell and rebuy and pay the tax and load or just keep it?

I have other investments like emergency fund FD, liquid cash, gold and real estate. My only goal from MF is wealth creation and can with highly aggressive investment profile.

Thanks in advance people.

Help gauge my portfolio

I have reached this number after working for over 11 years I know disciplined investing/saving works wonders.

11 years in the IT industry as a women

Since a lot of folks have been discussing about holding different assets in their portfolio, what does one feel is a healthy split. I can go in first

Cash/Cash equivalents : 0.4%
FD/Debt Mutual Funds : 9.2%
Stocks : 33% (mix of public traded ESOPs and those purchased by me in the market)
Equity Mutual funds : 22%
RE : 30% (includes the house I live in)
Pension : 5.4%

Would love to know how others are stacked.

Split of your net worth

Founder

How down was your portfolio in terms of your salary today?

Consultant

1. Real estate (invested value)
2. Liquid cash
3. Other Investments (invested value)

The wealth should not be inherited.

I'm 30. No house, 10L in cash and 5L in mutual funds. No inherited weath.

How much wealth have you created yourself?

Hi everyone,

The year end is here. It was a great year for my FIRE journey and I thought I'll share an update with you all.

With few days left in 2023, I've crossed 2.65 CR in net worth after touching 2 CR in May this year.

Here's the breakup:

Direct shares: 1.7 CR (this was the major driver of growth),
ELSS: 0.06 CR,
Company shares: 0.06 CR,
Real Estate: 0.4 CR (while it is between 42-45 now, keeping this unchanged from May),
EPF: 0.34 CR (interest for last year kicked in),
NPS: 0.06 CR (investing because I'm in 30% bracket, getting 14.8% xirr here),
SGB: 0.03 CR

The driver for growth has been a high saving rate.

In 2023, i've added 29.5 lakhs in equity, about 2.5 lakhs every month. 6 lakhs in company shares (US listed). The EPF and NPS savings are on top of this. My target was to save 36 lakhs in equity overall, and it's done! Targeting the same for next year. I'm aiming to cross 2 CR in equity before July 24.

Another change I did this year is that I've moved away from active advisory. I get the stock ideas from Twitter discussions, analyse them fundamentally and take bets based on the charts. I'm quite confident of my charting skills with max drawdown of 25-30% but upside of multiple x. I could capture 2-3 2x this year with sizable investment in them. I got this confidence after i could take my wife's account from 11 lakhs to 20 lakhs in about 2 years.

While the next year can be a huge bull run if BJP wins, I'm still trying to diversify. I'm planning to add a real estate of about 75 lakhs by paying 10%. This will help me leverage as well. The rental yield is the property is approx 5% and calculations show that I'll have to only pay 40-45% of the EMI and rest will be covered through rent. This should bring my equity exposure down from the current 65% to less than 50%. In this I'm trying to diversify and leverage while not denting my current equity corpus.

Suggestions welcome to make this FIRE journey better!

Thanks!

Crossed 2 CR and 2.5 CR in the same year

Project manager

I wanted to share my Net Worth as per INDmoney, and understand how I compare with the others here. 

The goal is to reset my goal after looking at people doing better than me, and provide some guidance to people that might be aiming to reach their own goal. 

Total YOE- 6
CTC- 34LPA (since last month)
SIP- 70k (MF) + 30k (stocks)
Investing since- Jan 2020
First SIP value- 15k

Let me know where you all are at, and if you can share some insights to help improve mine

Me vs my wife fml

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