How to evaluate your investment portfolio

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It is important to review the investment portfolio frequently. Investments that give poor returns will only keep adding to the weight of the portfolio.

At Money9, our endeavour has always been to help you navigate the financial challenges and possibly soften the impact of external events on your wallet.

The helpline hosted Harshvardhan Roongta, founder, Roongta Securities, to address the queries related to portfolio evaluation from our callers all across India.

Ashish Patel: My age is 42, I have invested 10,000 SIP in the Kotak Flexicap fund in the last 3 years but this fund is not outperforming in its benchmark, should I continue or exit? My horizon is 5 years

Roongta: I don’t think the fund is not performing well. It is a good-performing fund and must be beating the benchmark. However, it is quite possible that in the peer category, the performance might not be top-notch. I would suggest that you hold it till the next 3 years and after that, you can consider booking profits from equity to debt.

Abhishek Gupta: ​I’m already investing in the SBI Bluechip fund, UTI Nifty Index fund, and Axis Focus 25. Should I stop my Investment in Focus fund and invest that amount in an Index fund?

Roongta: All three schemes are good. The SBI Bluechip is actively managed large-cap, UTI Nifty index fund is a passively managed fund and Axis Focus 25 has a Flexicap approach. You should stay invested in the three.

Karumanassery Narayanan Subramaniam: I am a senior citizen, Which one is better? Nifty equal-weight fund or Nifty next 50 fund is for 5 year period if I do sip amount Rs 5000 then do swap after 5 years to beat inflation

Roongta: Between these, I would suggest nifty equal weight. The fund will have all 50 companies from nifty only with 2 % allocation.