SynopsisAshish Mishra is currently focussing on two primary financial goals — his child’s education and an early retirement at 51. Here’s what the doctor has advised him.ET BureauGoals can be reached, but risks need to be covered.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.Portfolio DoctorNot 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.
PORTFOLIO CHECK-UPAshish Mishra started investing in equity funds via SIPs and lump sum in 2024, when he was 43.Late start means he has missed the previous bull runs and is now being mauled in the bear phase.Funds have generally performed well, but the portfolio has some laggards.He should close some funds to streamline portfolio and make it easy to monitor.He has also invested in stocks, sovereign gold bonds, Post Office schemes and bank deposits.He also contributes to the EPF, PPF and NPS. In NPS, Mishra should take a balanced exposure to equity and debt funds.
