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


Not many investors know whether they have invested in the right funds and if their fund portfolio is on track. The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.

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

PORTFOLIO CHECK-UP

  • Investing in a mix of equity mutual funds for the past 4-5 years.
  • Early start has helped but needs to hike SIPs by 5% every year.
  • Some laggard funds need to be replaced with better schemes.
  • Delay retirement by 2-3 years to reduce some stress on investments.

Note from the doctor

  • Avoid sector and thematic schemes unless sure of prospects.
  • Use NPS to save for retirement and cut tax.
  • Review investments and rebalance at least once in a year.
  • Reduce risk when goal is near so that you don’t miss the target.
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Defer retirement by 10 years: V
enkatesh is saving for his children’s education and retirement. Here’s what the doctor advised:

PORTFOLIO CHECK-UP

  • Investing in equity funds for past 3-4 years.
  • Late start means won’t be able to reach goals with existing investments.
  • Must increase investments and hike SIPs every year.
  • Retirement at 50 not possible due to small corpus. Defer till 60.
  • Review mutual fund portfolio at least once a year. Change if any fund’s perfor
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WRITE TO US FOR HELP

If you want your portfolio examined, write to etwealth@timesgroup.com with “Portfolio Doctor” as the subject. Mention the following information:

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



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