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Your Equity Portfolio Performance depends heavily on your direct stocks investments. You might be missing the benefits of mutual funds!
| Total Portfolio | ₹ 1.71 Cr | 15.38 Lac (9.52%) |
| Stocks | ₹ 1.43 Cr | 9.68 Lac (6.95%) |
| Mutual Fund | ₹ 14.76 Lac | 8.24 Lac (127%) |
| Debt & Cash | ₹ 2.4 Lac | 72.1 K (42.85%) |
| Gold & Commodities | ₹ 10.92 Lac | -3.26 Lac (-23.01%) |
| Particulars | Allocation % from Direct Stocks |
Allocation % from Mutual Funds |
Allocation % of Total Portfolio |
Market Value |
|---|---|---|---|---|
| Stocks | 83.57% | 8.12% | 91.69% | 1.57 Cr |
| Debt | 0.00% | 1.90% | 1.90% | 3.24 Lac |
| Gold & Commodity | 0.00% | 6.29% | 6.29% | 10.75 Lac |
| Others | 0.00% | 0.12% | 0.12% | 21.27 K |
Number of Stocks
76Number of Equity Funds
40Number of Sectors
21|
Top Stock Holding |
Top Sector Holding |
Top MF Holding |
Tail Stocks(DS) |
HDFC Bank Ltd. |
BFSI |
56 |
|
|
13.95% |
34.13% |
5.79% |
10.15% |
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Portfolio Summary
| Aspect | Results | Key Insight | Flag | |
|---|---|---|---|---|
|
Return
|
Diversification | Needs Significant Improvement | Over-diversified with 76 stocks. | |
| Portfolio Strength | Very Good | Your portfolio strength is very good. | ||
| Distribution | Needs Significant Improvement | The portfolio is heavy on the Top 10 stocks. | ||
| Well-balanced mid section. | ||||
| Consider adding more positions beyond Top 20. | ||||
| Long tail - too many small positions. | ||||
|
Risk
|
Market Cap Risk | Moderate | You have Moderate market cap risk. | |
| Stock Exposure Risk | High | You have 2 stock(s) exposure risk. | ||
| Sector Exposure Risk | Moderate | You have 1 sector(s) exposure risk. | ||
| Valuation Risk | moderate | You have moderate valuation risk. |
| Aspect | Results | Key Insight | Flag | |
|---|---|---|---|---|
|
Return
|
Benchmark Outperformance | Needs Significant Improvement |
Most of your funds are underperforming their benchmark. | |
| Returns | Good | Your fund portfolio has delivered an Avg. 3Yr rolling return of 16.6%. | ||
| Diversification | Needs Significant Improvement | Over-diversified as it has 27 funds with only 14.76 Lac AUM. | ||
|
Risk
|
Market Cap Risk | |||
| Sector Exposure Risk | ||||
| Overlap |
| Aspect | Results | Key Insight | Flag | |
|---|---|---|---|---|
|
Return
|
Equity Asset Mix | - | Your Equity Portfolio Performance depends heavily on your direct stocks investments. You might be missing the benefits of mutual funds! | |
| Portfolio Strength | Very Good | Your portfolio strength is very good. | ||
| Direct Stock – Mutual Fund Overlap | ||||
|
Risk
|
Market Cap Risk | Moderate | You have Moderate market cap risk. | |
| Sector Exposure Risk | Low | Good conviction and sector diversification. |
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Your Equity Portfolio has
8
High-risk areas requiring immediate action.
4
Moderate risk areas that need attention.
5
Healthy and aligned with benchmarks.
Anything above 3 Red Flags can prove to be highly risky for your portfolio!
Every flag in your portfolio tells a story about the health of your investments. Ignoring them can lead
How to tackle these flags?
You might need an investment advisor to leverage their expertise. They can help create a personalized investment portfolio tailored to your financial goals, risk tolerance, and life stage. With expert guidance, you can make informed investment decisions. This approach helps you potentially maximize returns while effectively managing risks.
How to choose the right one for you?
If you would like to Schedule a Consultation
Call with our
Investment Advisor
Omega by MoneyWorks4Me has over 15 years of experience in guiding smart investments. As a SEBI-registered Investment Advisor, we focus on your goals and create strategies that suit your needs. Our partner-with-expert model ensures you get professional guidance while staying in control of your investments. Being a fiduciary, we provide unbiased, research-backed insights to help you make informed decisions and grow your wealth with confidence.
Page 4
Stock markets are unpredictable, company performances fluctuate, and investment
conditions keep changing. Without expert guidance, you risk making costly mistakes—missing
profit opportunities or failing to manage risks effectively.
A dedicated expert helps you
navigate these challenges.
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Your portfolio shows strong conviction in top sectors with good sector diversification.
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Investing in mutual funds is not automatically sahi nor is it as simple as it is made out to be. The main challenge in building a MF portfolio is avoiding fund overlap the main cause of poor diversification. Selecting funds based on past returns, which is the common practice, is an inadequate way of investing and likely to deliver mediocre returns going forward. And investing lumpsum has even more challenges which cannot be addressed by SIP. When you have substantial MF investments you are better off working with a dedicated, fiduciary expert (so you benefit by investing in Direct Plans only) and optimize your MF portfolio to deliver good returns throughout the tenure of your investment.
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Investing in stocks and mutual funds is potentially the best way to invest in equity. You could get the best of both which is essential when you have a large portfolio. You may be uncomfortable investing all your savings in stocks directly or 100% in mutual funds. However, building and managing a combined DS+MF portfolio has additional complexities. An advisor with deep understanding of investing in both and a simplified decision making process that you understand once explained enables you to get the best of both worlds.
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Start Research-backed Investing ...Now. Subscribe to Sapphire
MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.
To become India’s most trusted, research-powered fiduciary advisory platform—where every investor, regardless of experience, can make calm, confident, and well-reasoned investment decisions.
MoneyWorks4Me ensures this through:
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
Make an informed decision for Stocks
Invest using an intelligent system with powerful data-driven tools that help you identify opportunities and make informed buy-hold-sell decisions
Buy quality Stocks when they are available at reasonable prices and supported by an upward price trend and Sell when they are Overvalued using the Decizen Rating System. Covers 3500+ stocks
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Name of the IA registered
with SEBI: |
The Alchemists Ark Pvt. Ltd. |
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Logo:
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Trade/Brand
Name of IA: |
MoneyWorks4Me Investment Advisers |
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Brand Logo:
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 |
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SEBI Registration Number:
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INA000013323 Validity – May 16, 2019 – Perpetual |
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Registration:
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Non-Individual |
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BSE Enlistment No:
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1187 |
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Address:
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B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045 |
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Compliance Officer
Details: |
Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com |
Telephone: +919860359463 Address: Same as IA |
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Grievance Officer
Details: |
Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com |
Telephone: +919860919463 Address: Same as IA |
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Principal Officer
Details: |
Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com |
Telephone: +919175899463 Address: Same as IA |
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Standard Warning:
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Investment in securities market are subject to market risks. Read all the related documents carefully before investing. |
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Disclaimer:
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Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. |
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