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Common Investor Mistakes · Madhyam · 6 min read

Maujooda Mutual Fund Portfolio Ki Review Kaise Karein

Chhota jawab

Portfolio ki review ek tay order mein karein: aapke paas kya hai aur har holding kis goal ke liye hai yeh list banaein, dekhein ki kya aapka asset allocation aapke chune hue se drift ho gaya hai, ek jaisi securities rakhne wali schemes ke beech overlap dekhein, fund factsheets padhne ke bajaay apna asli XIRR naapein, aur costs aur exit terms check karein. Har scheme ki tulna uski apni category aur benchmark se ek jaisi avadhi par karein — jis scheme ki poori category hi out of favour hai, wo usse alag situation hai jo apne peers se peechhe hai. Uchit intervals par review karein, har market move ke baad nahi.

Amit Chadha · Mutual Fund Distributor · AMFI ARN: 349461 · Aakhri review

Zyadatar portfolios banaye nahi jaate; wo jama hote jaate hain. Ek achhe saal ke baad khareeda gaya fund, kisi colleague ke zikr par joda gaya doosra, tax ki last date se ek ELSS, ek SIP jo shuru karke bhula di gayi.

Review wo tareeka hai jisse jama hua collection phir se ek portfolio banta hai. Sahi order mein yeh ek shaam leti hai aur ek saal tak NAV dekhte rehne se zyada jawaab deti hai.

Step 1: Likhein Ki Aapke Paas Kya Hai Aur Kyun Hai

Har fund house mein har folio ka ek jodaa hua nazariya lekar shuru karein. RTAs ka consolidated account statement, ya aapko milne wala CAS, yeh sab kuch ek jagah deta hai, kai portals mein login karne ke bajaay.

Har holding ke paas likhein ki wo kis goal ke liye hai aur lagbhag kab wo paisa chahiye. Jis holding ko aap koi goal nahi de sakte, wo check karne laayak pehli cheez hai — bechne ke liye zaroori nahi, balki isliye ki bina maqsad wali holding ko kisi bhi cheez ke muqable parkha nahi ja sakta.

Step 2: Allocation Drift Check Karein

Apne maujooda equity, debt aur doosre assets ke batware ki tulna us allocation se karein jo aapne tay kiya tha. Equity ki tezi ke baad, 60% equity par tay portfolio ab shayad 75% par ho — yaani aapka risk bina aapke kuch tay kiye badh gaya.

Drift pehli review mein sabse aam khoj hai, aur sabse aham bhi, kyunki yeh portfolio ka risk badal deta hai, sirf uski banawat nahi.

Step 3: Overlap Dekhein, Fund Ki Ginti Nahi

Check karein ki kya aapki schemes waqai alag-alag cheezein rakhti hain. Kai large-cap ya flexi-cap funds aam taur par ek jaisi kai companies share karte hain, to chaar rakhna shayad aapko lagbhag ek jitni diversification de, chaar guna kaagazi kaam ke saath.

Overlap apne aap bechkar theek karne wali samasya nahi hai — exit load aur tax lagte hain — lekin yeh batata hai ki naye contributions kahan nahi jaane chahiye.

Step 4: Apna Asli Return Naapein, Fund Ka Nahi

Kisi fund ki factsheet par diya return yeh maanta hai ki poori avadhi ke liye ek hi investment rakha gaya. Aapka return aapki taareekhon aur amounts par depend karta hai, aur yahi XIRR naapta hai.

Apna XIRR nikalna aksar wo cheez saamne laata hai jo factsheet nahi la sakti: ki schemes ne theek-thaak performance kiya jabki aapki apni timing — mazboot run ke baad jodna, giravat ke baad rokna — ne zyadatar nuksan kiya. Yeh kisi bhi fund comparison se zyada kaam ki khoj hai.

Step 5: Sahi Comparison Ke Aadhar Par Performance Parkhein

Kisi scheme ki tulna uske apne benchmark aur apni category se ek jaisi avadhi par karein. Koi mid-cap fund jo ek saal mein 12% gira jab mid-caps aam taur par 15% gire, usne underperform nahi kiya — uski category out of favour thi, jo alag asar wala alag fact hai.

Ek ki bajaay kai alag market periods dekhein. Kisi tay mandate wale fund ke liye ek kamzor saal normal hai; apne peers ke muqable kai periods tak lagataar peechhe rehna zyada mazboot signal hai. Yeh bhi check karein ki kya scheme abhi bhi wahi karti hai jo khareedte waqt karti thi: mandate mein badlaav, portfolio ke character mein bada badlaav, ya riskometer mein badlaav ek saal ke returns se zyada gambhir signal hain.

Step 6: Costs Aur Exit Terms Check Karein

Apni asal mein rakhi har scheme aur plan ka maujooda expense ratio pakka karein — yeh samay ke saath badalta hai, aur invest karte waqt jo number aapne dekha tha wo shayad ab wala na ho.

Jo kuch bhi mile uspar action lene se pehle, exit load ki position aur tax nateeja check kar lein. Switch ek redemption hai, aur jis review se bacha ja sakne wala tax paida ho, usne kisi asli cheez ki keemat dekar ek theoretical cheez theek ki hai.

Review Kya Nahi Hai

Review trade karne ka nirdesh nahi hai. Zyadatar reviews chhote badlaavon par khatam honi chahiye, ya kuch bhi bechne ke bajaay future contributions ki direction badalne par.

Yeh mahine ki activity bhi nahi hai. Uchit intervals par review karna — saalaana, ya jab aapke goals ya paristhitiyan waqai badlein — kaam par lagane laayak information deta hai. Rozana market ki halchal nahi deti.

Mukhya baatein

  • Jode hue nazariye se shuru karein aur har holding ko ek goal dein.
  • Allocation drift sabse aam aur sabse aham khoj hai.
  • Yeh ginein ki aapki schemes kya rakhti hain, kitni schemes nahi.
  • Apna XIRR naapein — fund ka published return aapka return nahi hai.
  • Har scheme ki tulna uski apni category aur benchmark se ek jaisi avadhi par karein.
  • Action lene se pehle exit load aur tax check karein; naye paise ki direction badalna aksar bechne se behtar hai.
  • Intervals par review karein, har market move ke baad nahi.

Apne numbers par aazmaiye

Aksar pooche jaane wale sawaal

Sources aur editorial review

Aage kya padhein

XIRR Kya Hai Aur Yeh SIP Investors Ke Liye Kyun Maayne Rakhta Hai?CAGR SIP ko kyun nahi naap sakta, XIRR iske badle kya karta hai, number ko sahi tareeke se kaise padhein, aur aapka XIRR fund ke bataye gaye return se alag kyun hota hai.Beginners Ke Liye Asset Allocation Aur DiversificationPaise ko asset classes mein baantna portfolio ke risk ko kaise tay karta hai, zyada funds zyada diversification kyun nahi hai, aur rebalancing asal mein kya kharch karti hai.7 Aam Mutual Fund Galtiyan Jinse BacheinReturn ke peeche bhagna, bemel goals, over-diversification, giravat mein investment rokna aur doosri aadatein jo fund selection se kahin zyada investors ki chupchaap cost badhati hain.

Sirf educational content. Investment advice nahi.

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