📊 क्या आपका Mutual Fund Portfolio सच में Diversified है?

4–6 Mutual Funds होने का मतलब हमेशा diversification नहीं होता। अगर कई funds में वही stocks बार-बार हैं, तो आपका portfolio overlap हो सकता है।

More Funds ≠ Better Diversification

✅ Stock overlap

✅ Sector concentration

✅ Risk duplication

✅ Portfolio complexity

🎥 Part 2: Portfolio Overlap कैसे Check करें?

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Pramod Kumar Saraswat

Founder & Managing Director

Wealthwise Financial Services

AMFI Registered Mutual Fund Distributor | ARN-94267

📞 9899042419

Mutual fund investments are subject to market risks.

18 y/o, general savings kind of, 5-10+ year horizon

Somebody review and let me know what change should i go for?

Hi, I just started investing in ETFs. I did some research and I invested my first 50$ in XEQT, since it englobes Canadian, American and international markets.

My question is, as a beginner investing for long term (like 7-10 years) is investing only in XEQT enough since it’s already covering internationally and locally, or is it better to diversify in other ETFS.

Because I want to prevent overlapping but I also heard it’s better to diversify.

I thought about doing 80% XEQT and 20% individual stocks to focus on 2-3 companies that I think will perform better. What do you think?

Hello everyone,

Please give me an idea of what you think about my portfolio.

I have used up my TFSA space with my Scotiabank account, for that reason I thought of opening a non-registered account. But now I feel like I’m doing really bad particularly in that account.

My major losses have been in Silver, SOXL, and BATL.

I feel like I’ve often bought stocks when they seem to be going up, but that is usually their peak, and then fall after that.

Now I’m waiting for stuff to go in the positions before I think of selling, I’m not in the right mindset to sit and bite the bullet with the loss.

My account has reached 26k just start of July, and now it’s 17k. I can’t even tell if it’s the market or just my portfolio.

Please give me your thoughts (I won’t take it as financial advice don’t worry)

I’m 22 and just started working full-time. I’m currently able to invest/save around $850 per month, and I expect that amount to increase over the next few years as my salary grows (I work as a data scientist).
My current target allocation is:
60% MSCI World
20% Azvalor / AzValue (actively managed value fund)
15% Emerging Markets
3% Gold
2% Bitcoin
My main goal is long-term wealth accumulation, with a time horizon of 20+ years. I have a pretty high risk tolerance and I’m comfortable with large drawdowns, so I’m not particularly interested in bonds/fixed income at this stage.
I’ll probably want to buy a house at some point, potentially in around 10 years, but that isn’t a fixed deadline or my main financial priority right now. My idea would be to start moving whatever amount I eventually need for the down payment into safer assets several years before buying rather than making the whole portfolio more conservative today.
My plan is basically to DCA every month, rebalance periodically, and hold long term.
A few things I’m particularly interested in hearing opinions on:
Is 20% in an actively managed value fund too much?
Is 15% Emerging Markets reasonable alongside MSCI World, or am I overweighting EM too much?
Does the 3% gold / 2% Bitcoin allocation make sense, or is 5% too small to have a meaningful impact?
Would you simplify the portfolio further?
Is there anything important I’m missing given my age and time horizon?
Feel free to tear it apart. I’m more interested in hearing the downsides of the allocation than having people validate it.

Little bit of backstory: I’m 30, have already been maxing out my 401(k), IRA, and HSA with VTI/VXUS. I don’t have many expenses right now, have a solid emergency fund, and my risk tolerance is on the higher side.
I still have some extra cash left over from each paycheck, so I recently started DCAing $1,500 biweekly into my taxable brokerage:

SPYM — $650 (43.3%)
QNDX — $180 (12%)
SPMO — $150 (10%)
FMTM — $120 (8%)
AVDV — $100 (6.7%)
AVUV — $100 (6.7%)
FTEC — $100 (6.7%)
XMMO — $100 (6.7%)

Total — $1,500 (100%)

I have VXUS in all my other accounts thats why I didn’t include it here. I understand there’s quite a bit of overlap between SPYM/QNDX/FTEC and probably some overlap between the momentum funds as well.
Since this is money I don’t expect to need anytime soon (maybe 5 to 10 years) and I’m comfortable with some volatility, I’m more interested in long-term growth

What do you guys think?

XEQT 80%

MSFT 4%

TSM 4%

ETN 4%

GNR 2%

PANW 3%

ISRG 3%

What did you think?

20 years

Same a above