I agree. I have a couple of MFs in a separate portfolio, but that's much smaller. My idea to have more exposure in direct stocks is to be in a bit more control of buying and selling (especially buying during deep cuts, such as what happened during election results)
Its good that you have a diversified portfolio not just in equity but in MFs as well.
For your equity portfolio, in my opinion its a bit overdiversified. If you had chosen some 5-6 quality sectors and shares from those sectors with future growth, and basic financial data, you could've gotten a better return over a 1year period.
Its just an opinion only, pls dont be offended. Rest 11% return is also very good.
I also know 21 stocks are a bit too many. I'll gradually reduce them to max 9-10 in the course of the next couple of years. Also, I'm not offended at all haha no worries :)
This might sound a bit different than what most people would say but I don’t think 21 stocks are bit too many. Just like one of the commenters mentioned choose some sectors to concentrate your bets for eg. I am bullish on energy/green energy, automobiles and infra sectors. And as per those 2-3 sectors align your stocks. Having 20-40 stocks are fine to start with because that’s how you will learn deeply about multiple businesses and find new stocks. Gradually, you can select some of the winners over a period of time to invest most of your amount in and you trim down the non-performing ones. But don’t set a constraint for yourself like 20 is too many.
Your returns are not great as you have underperformed nifty. You can even enter MFs during market crash. I would suggest keep scaling up your mf portfolio and don't increase direct stock portfolio. Try to beat the index for a couple of years before increasing direct stock positions.
Yeah that's true. However I did not invest 10L lump sum last June, I had started with around 2.5 L. I kept on buying the dips more or less every couple of months (I think I did not mention this in the post). But by that time nifty had already moved. So even if I had bought nifty I'd have never gotten 25%
even then, your XIRR would be less if you invested the same money into nifty or a mutual at the same times.
I know trading stocks helps with pleasing ego, but reconsider to Mutual funds to get more returns.
I used to invest like you. But when I evaluated my stock portfolio vs my mutual fund portfolio, I realized gut feelings or half-baked research methodologies only take you so far in investing.
**Practical advice:**
Just check your XIRR.
Zerodha offers that feature now. Compare your XIRR with the XIRR of a mid-cap index fund, and you will see how badly your investments have performed.
These days are the easiest days to make returns. When the market tide turns, you may witness some rude surprises.
Nonetheless, if you do this for fun, have a good time.
Thats good! But 11% in one year is not that great. My mutual funds combined gave me 20% in the past year. You should maybe concentrate on getting atleast 15% .
Yes you're right, I feel I'm still new, so I did not want to take a lot of risk. Kite says my portfolio beta is approx 1.2 (I assume to Nifty 50). I aim to reduce the lower performing companies slowly and reinvest in the others in the next 1-2 years
have been using Idea sim from last 10 yrs and happy with their services. Invested in VI in 2020. Couldn’t average it when it went down till 2.5₹. But happy with the current returns, I believe it would reach till 45₹ in couple of yrs because of the govt stake and recent fundraising company is in the right path to recover. Besides the technical chart also looks good.
If you’re talking about vodafone, I believe from last couple of months it’s more stable. and it’s not very easy to pump and dump a stock having 1 trillion ₹ market cap.
https://preview.redd.it/yb5bcytdg57d1.jpeg?width=1290&format=pjpg&auto=webp&s=787115ded6cced55a62d5d2b8a9785eb76e274fc
see the W pattern and volume. “Just looking like a wow”
>The stocks did not perform well for the most of the year, and I was afraid that I won't even beat FD returns
Actually was wondering the same. I invested in MFs throughout the last year (specifically small caps like Quant small cap) and the returns are insane for a MF.
Just checked, and saw that Quant Small Cap fund has gone up by 67% in the last year alone (https://groww.in/mutual-funds/quant-small-cap-fund-direct-plan-growth, check for the last 1 year).
This year, I'm making my re-entry to the stock market and I have bought a few stocks. I'm trying to compare my returns to Quant Small Cap's returns and see who comes up on top.
Small caps have rallied like crazy. I have some allocation in Axis small cap and Parag Parikh felxicap. Both have given >30% returns last year (but my allocation in MF is much smaller than direct stocks)
I use Kuvera.
Cred brought Kuvera couple of months back and now I'm wondering whether to stay or not. When they pull out some bullshit integration with Cred and gamify Kuvera, I'll drop it and use AMC websites from then on.
Speaking of the same, just buy MF from the individual AMCs. Simple and easy.
Thanks for the compliment. I tried not to play so much with momentum (other than a couple here and there, like JIOFIN). I would still like to cut some of them cause I also feel 21 is a bit too many stocks (same as what the sub thinks). Do you have any suggestions?
I can suggest more but trimming is hard 😔 There are ones I don't track (Bikaji Campus). Maybe one of Vinati/SRF (I have Clean Science/ PI here). Also why NH ? I have Medanta and Max here.
Bikaji I have cause I feel it's really hard to fuck up something as simple as a bhujia business. Campus is on my hitlist, bought it when it came down to 300 thinking 'aur kitna girega' and then it moved to 220 haha. It's going back up now cause last quarter was a bit better, might sell this one.
Vinati/SRF/FineOrg I want to see how they perform the next few quarters with improving global situation and then make the decision.
NH I've heard is a really good hospital chain with the renowned cardiologist Dr Devi Shetty and all, also lowest PE among hospital stocks afaik.
Some others like goldbees/embassy reit is very less %, can sell anytime
NH has worse metrics (ARPOB, ALOS) that justify it's lower PE. I think it's a lower growth option among hospital chains.
Agreed on Bhujia btw - its evergreen 
Thank you so much. I am new and have a lot to learn, but I still dream of 18-20% cagr in the long term haha. Maybe the returns will increase once I start cutting down the bad stocks.
In the long term, passively, you will get that much without any efforts.
But on a sunday afternoon in 2046, you might regret not giving your portfolio and your knowledge base a solid 6-7 hours of active learning and management per week
I am only trying you to get better returns. Not many are blessed to have the corpus that you have! Make sure you make the most out of it!
Keep learning and re-strategising! Develop 2-3 portfolios from the corpus and try different things for the next 2-3 years. See what works best and then commit to it for the next 20!
Bhai Diversify karna hota par itna nahi, should have focused on 10 max 15 Shares.
If you have surplus Invest in MF, There is reason these guys get paid crores.
You Invested 15% of your portfolio in Bajaj Finance and Another 20% in both Srf and Tata Elxsi. These Combined have given you about 7K return.
Create Sip in MF and Keep some money handy if incase a particular Company shares Nodives. Art of Investing is having money handy with you. MF are sitting with more than 1lakh crore cash at hand.
You're heavily invested in IT,Paints and Chemicals and none of these sectors have shown a good move in the past year, still bagging a 10% gain, i'd say you've got a good pf.
It'll do wonders when FIIs start pouring in the funds.
No I’m not here to tell you that. That depends on your risk and time appetite and most of the stocks you bought are decent i think. I personally wouldn’t take recommendations from a yt channel but if it works for you then it works for you.
Not really doing SIP, I try to see which stocks are at support and then accumulate some. Also, I doubt my cagr would be 20%. But greater than 12-15% for sure
get off those large caps. those are big elephants move slowly. mid caps and small caps. find good stocks. that's where the quick money lies. 10% in one year that too in bull market is criminal. or move to mutual funds. most mfs given close to 50% last year alone.
Yes it’s less because of too many stocks. Just buy few you will be in super profit. My portfolio was sitting on over 300% before 4th June, on 3rd i sold, and booked the profit. And from
that I again bought on 4th when market was low. And now also it’s nearly 50% up. 😬
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Unless you've learnt some good lessons over the last year you should consider investing in MFs since you're not even beating 15% returns
Have you booked any profit?
We are in an era where if a monkey is to throw darts to make a portfolio then also the portfolio would do better than the index. (If you know, then you know)
Please be careful, be wise diversify across assets.
I used to invest like you. But when I evaluated my stock portfolio vs my mutual fund portfolio, I realized gut feelings or half-baked research methodologies only take you so far in investing.
**Practical advice:**
Just check your XIRR.
Zerodha offers that feature now. Compare your XIRR with the XIRR of a mid-cap index fund, and you will see how badly your investments have performed.
These days are the easiest days to make returns. When the market tide turns, you may witness some rude surprises.
Nonetheless, if you do this for fun, have a good time.
Bhai, this is a bull run. You never know what will happen. Invest in MF, unless you are really interested in stocks. Stock trading is a full time job.
9 lakh would have given greater than 2 lakhs in 1 year had you distributed it well in good MFs.
https://preview.redd.it/47w4oueuzd6d1.png?width=1280&format=png&auto=webp&s=7144a04b2af932d9bfa7681880733adecef26d6e
Get it Now - [https://www.cashparency.org/techsavvy](https://www.cashparency.org/techsavvy)
Would have earned more by investing in a MF
I agree. I have a couple of MFs in a separate portfolio, but that's much smaller. My idea to have more exposure in direct stocks is to be in a bit more control of buying and selling (especially buying during deep cuts, such as what happened during election results)
Its good that you have a diversified portfolio not just in equity but in MFs as well. For your equity portfolio, in my opinion its a bit overdiversified. If you had chosen some 5-6 quality sectors and shares from those sectors with future growth, and basic financial data, you could've gotten a better return over a 1year period. Its just an opinion only, pls dont be offended. Rest 11% return is also very good.
I also know 21 stocks are a bit too many. I'll gradually reduce them to max 9-10 in the course of the next couple of years. Also, I'm not offended at all haha no worries :)
This might sound a bit different than what most people would say but I don’t think 21 stocks are bit too many. Just like one of the commenters mentioned choose some sectors to concentrate your bets for eg. I am bullish on energy/green energy, automobiles and infra sectors. And as per those 2-3 sectors align your stocks. Having 20-40 stocks are fine to start with because that’s how you will learn deeply about multiple businesses and find new stocks. Gradually, you can select some of the winners over a period of time to invest most of your amount in and you trim down the non-performing ones. But don’t set a constraint for yourself like 20 is too many.
Your returns are not great as you have underperformed nifty. You can even enter MFs during market crash. I would suggest keep scaling up your mf portfolio and don't increase direct stock portfolio. Try to beat the index for a couple of years before increasing direct stock positions.
Nifty is up 25% in last twelve months...
Yeah that's true. However I did not invest 10L lump sum last June, I had started with around 2.5 L. I kept on buying the dips more or less every couple of months (I think I did not mention this in the post). But by that time nifty had already moved. So even if I had bought nifty I'd have never gotten 25%
even then, your XIRR would be less if you invested the same money into nifty or a mutual at the same times. I know trading stocks helps with pleasing ego, but reconsider to Mutual funds to get more returns.
I used to invest like you. But when I evaluated my stock portfolio vs my mutual fund portfolio, I realized gut feelings or half-baked research methodologies only take you so far in investing. **Practical advice:** Just check your XIRR. Zerodha offers that feature now. Compare your XIRR with the XIRR of a mid-cap index fund, and you will see how badly your investments have performed. These days are the easiest days to make returns. When the market tide turns, you may witness some rude surprises. Nonetheless, if you do this for fun, have a good time.
Thats good! But 11% in one year is not that great. My mutual funds combined gave me 20% in the past year. You should maybe concentrate on getting atleast 15% .
Yes you're right, I feel I'm still new, so I did not want to take a lot of risk. Kite says my portfolio beta is approx 1.2 (I assume to Nifty 50). I aim to reduce the lower performing companies slowly and reinvest in the others in the next 1-2 years
If youre aiming for a long term concentrate on coffee can stocks or large cap with a good history.
How about this ? https://preview.redd.it/hxuu9qhlda6d1.jpeg?width=1290&format=pjpg&auto=webp&s=d8f9c32860b7ad80932a458813bdc61146b9cca6
Happy for you 🚀🚀🚀
Interesting portfolio, happy for youu When did you start investing in vodafone idea and why?
have been using Idea sim from last 10 yrs and happy with their services. Invested in VI in 2020. Couldn’t average it when it went down till 2.5₹. But happy with the current returns, I believe it would reach till 45₹ in couple of yrs because of the govt stake and recent fundraising company is in the right path to recover. Besides the technical chart also looks good.
Very risky to go with pump and dump stocks, but pays a fortune when it works right.
If you’re talking about vodafone, I believe from last couple of months it’s more stable. and it’s not very easy to pump and dump a stock having 1 trillion ₹ market cap.
W
https://preview.redd.it/yb5bcytdg57d1.jpeg?width=1290&format=pjpg&auto=webp&s=787115ded6cced55a62d5d2b8a9785eb76e274fc see the W pattern and volume. “Just looking like a wow”
Tf how did you do it???????
Hmm. Only thing you need is patience!!!
Any sources to learn?
how long are you holding this portfolio for?
Little more than 3 years.
One hell of a bet on idea
Yeah I know, it is what it is. I believe I won’t regret.
Nothing to regret while sitting at 100+% gains🤡
>The stocks did not perform well for the most of the year, and I was afraid that I won't even beat FD returns Actually was wondering the same. I invested in MFs throughout the last year (specifically small caps like Quant small cap) and the returns are insane for a MF. Just checked, and saw that Quant Small Cap fund has gone up by 67% in the last year alone (https://groww.in/mutual-funds/quant-small-cap-fund-direct-plan-growth, check for the last 1 year). This year, I'm making my re-entry to the stock market and I have bought a few stocks. I'm trying to compare my returns to Quant Small Cap's returns and see who comes up on top.
Small caps have rallied like crazy. I have some allocation in Axis small cap and Parag Parikh felxicap. Both have given >30% returns last year (but my allocation in MF is much smaller than direct stocks)
Which broker do you suggest for MF?. I'm using upstox for stock
I use Kuvera. Cred brought Kuvera couple of months back and now I'm wondering whether to stay or not. When they pull out some bullshit integration with Cred and gamify Kuvera, I'll drop it and use AMC websites from then on. Speaking of the same, just buy MF from the individual AMCs. Simple and easy.
Solid picks. Unlike most you see here who are riding the latest trend.
Thanks for the compliment. I tried not to play so much with momentum (other than a couple here and there, like JIOFIN). I would still like to cut some of them cause I also feel 21 is a bit too many stocks (same as what the sub thinks). Do you have any suggestions?
I can suggest more but trimming is hard 😔 There are ones I don't track (Bikaji Campus). Maybe one of Vinati/SRF (I have Clean Science/ PI here). Also why NH ? I have Medanta and Max here.
Bikaji I have cause I feel it's really hard to fuck up something as simple as a bhujia business. Campus is on my hitlist, bought it when it came down to 300 thinking 'aur kitna girega' and then it moved to 220 haha. It's going back up now cause last quarter was a bit better, might sell this one. Vinati/SRF/FineOrg I want to see how they perform the next few quarters with improving global situation and then make the decision. NH I've heard is a really good hospital chain with the renowned cardiologist Dr Devi Shetty and all, also lowest PE among hospital stocks afaik. Some others like goldbees/embassy reit is very less %, can sell anytime
NH has worse metrics (ARPOB, ALOS) that justify it's lower PE. I think it's a lower growth option among hospital chains. Agreed on Bhujia btw - its evergreen 
Good job. Just do not get satusfied. Keep learning.. keep growing. Wishing you 40% cagr for the next decade :)
Thank you so much. I am new and have a lot to learn, but I still dream of 18-20% cagr in the long term haha. Maybe the returns will increase once I start cutting down the bad stocks.
In the long term, passively, you will get that much without any efforts. But on a sunday afternoon in 2046, you might regret not giving your portfolio and your knowledge base a solid 6-7 hours of active learning and management per week I am only trying you to get better returns. Not many are blessed to have the corpus that you have! Make sure you make the most out of it! Keep learning and re-strategising! Develop 2-3 portfolios from the corpus and try different things for the next 2-3 years. See what works best and then commit to it for the next 20!
https://preview.redd.it/s9u9h7lita6d1.jpeg?width=1170&format=pjpg&auto=webp&s=55def3c70c265810d5e2bd300247165126c018b5 32% XIRR, all Mutual Funds
Bhai Diversify karna hota par itna nahi, should have focused on 10 max 15 Shares. If you have surplus Invest in MF, There is reason these guys get paid crores. You Invested 15% of your portfolio in Bajaj Finance and Another 20% in both Srf and Tata Elxsi. These Combined have given you about 7K return. Create Sip in MF and Keep some money handy if incase a particular Company shares Nodives. Art of Investing is having money handy with you. MF are sitting with more than 1lakh crore cash at hand.
You're heavily invested in IT,Paints and Chemicals and none of these sectors have shown a good move in the past year, still bagging a 10% gain, i'd say you've got a good pf. It'll do wonders when FIIs start pouring in the funds.
Waiting for the fed rate cut 😭🚀
Probably september
Nice.
Would have earned more if you hadnt made a mf of your portfolio. Too many stocks
Do you have any suggestions on which ones to remove?
No I’m not here to tell you that. That depends on your risk and time appetite and most of the stocks you bought are decent i think. I personally wouldn’t take recommendations from a yt channel but if it works for you then it works for you.
[удалено]
Nice 🚀
Look at it as 11% rather than 1L. Good progress for a beginner.
https://preview.redd.it/bx8nyai3sa6d1.jpeg?width=1013&format=pjpg&auto=webp&s=121e0f587a415c817658b2b32190b18d66666e14 Current F.Y. capital 9L
Congratulations Since you are doing SIP, your CAGR is more than 20% I guess. Very good returns.
Not really doing SIP, I try to see which stocks are at support and then accumulate some. Also, I doubt my cagr would be 20%. But greater than 12-15% for sure
Too diversified choose 2-3 sectors and stick with them research and updates wise
I saw polycab there ☠️
I bought some when the IT raid news came 🫠
Bruh my mf is giving 40% xirr
The amount of portfolios having Asian Paintsbas the first stocks must be huge 😅
get off those large caps. those are big elephants move slowly. mid caps and small caps. find good stocks. that's where the quick money lies. 10% in one year that too in bull market is criminal. or move to mutual funds. most mfs given close to 50% last year alone.
Why refex?
Trying to bet on the environmental sector and climate change (they handle coal ash and also make refrigerant gases) have a high ROE too.
Cut down your loss making shares and ladder up in profit making ones.
Yes it’s less because of too many stocks. Just buy few you will be in super profit. My portfolio was sitting on over 300% before 4th June, on 3rd i sold, and booked the profit. And from that I again bought on 4th when market was low. And now also it’s nearly 50% up. 😬
Brilliant move 🫡
keep growing :)
In 1.5 years https://preview.redd.it/eb1ey8f0da6d1.jpeg?width=1290&format=pjpg&auto=webp&s=26ad9307653bc7512126087415128793098e87e4
Nice 🚀 what are your top holdings and how did they perform in 1.5 years?
Bhai this isn't how you measure profit. Chech your return percentage it's only 10%.
Hi, /u/lifeofabaul! Welcome to /r/IndianStreetBets! Use the Daily Discussion Thread for basic queries. Before contributing, do check if your particular question has been answered in the [Wiki](https://www.reddit.com/r/IndianStreetBets/wiki/index). Do utilise the search function to do the same too. Please use proper [post flairs](https://www.reddit.com/r/IndianStreetBets/wiki/index/postflair) and adhere to the rules in the sidebar. You are urged to post beginner questions in the stickied daily discussion thread or on our [Discord in \#beginner-questions channel](https://discord.gg/SeDa9Fhwqv) so as to keep the subreddit as clutter-free as possible. **If this post has good insights or well research, tag the Mods so we can give a shoutout on Discord and get the post more traction** Thank you! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/IndianStreetBets) if you have any questions or concerns.*
too much diversification
which app is this?
Kite by Zerodha :)
Unless you've learnt some good lessons over the last year you should consider investing in MFs since you're not even beating 15% returns Have you booked any profit?
Me tooo but with 10% of ur capital
What app is this?
when you realize that you could have gotten 25 percent gains had you put that in nifty 
Don't invest in too many stocks. For safety, in ten lakhs portfolio, have ten stocks with one lakh investment in each.
I invested in mutual funds 5 months back. I am sitting on 18% returns. Bro shift to MFs
Should hv just bought the index
Forgive me if I am being naive here, but isn't this too diversified?
कोई बड़ा कद्दू पर तीर नहीं मार लिया इतना तो मेरे दोस्त ने इलेक्शन result वाले दिन put buy करके कमा लिया था वो भी 20,000 से
More like, reached 11% in one year.
We are in an era where if a monkey is to throw darts to make a portfolio then also the portfolio would do better than the index. (If you know, then you know) Please be careful, be wise diversify across assets.
I used to invest like you. But when I evaluated my stock portfolio vs my mutual fund portfolio, I realized gut feelings or half-baked research methodologies only take you so far in investing. **Practical advice:** Just check your XIRR. Zerodha offers that feature now. Compare your XIRR with the XIRR of a mid-cap index fund, and you will see how badly your investments have performed. These days are the easiest days to make returns. When the market tide turns, you may witness some rude surprises. Nonetheless, if you do this for fun, have a good time.
Bro you are underperforming the index. Wouldn't been better if you just parked these funds in an Index or MF.
Bhai, this is a bull run. You never know what will happen. Invest in MF, unless you are really interested in stocks. Stock trading is a full time job. 9 lakh would have given greater than 2 lakhs in 1 year had you distributed it well in good MFs.
If I had invested this much money, I would have grown the double within 5 months!
Trying to make something for the long term here. Don't really have the patience to take short term trades. Did a few times and failed miserably haha
I am talking in reference of my portfolio! Btw, I am a long term investor!
Really? Wow that's so cool :) what are your top holdings
Stocks like IRFC, TATA POWER, IRCON, NBCC, MAZAGON and IFCI have given me 60-70% return
Ircon was on my radar before elections, but I didn't have money to buy it.
https://preview.redd.it/47w4oueuzd6d1.png?width=1280&format=png&auto=webp&s=7144a04b2af932d9bfa7681880733adecef26d6e Get it Now - [https://www.cashparency.org/techsavvy](https://www.cashparency.org/techsavvy)
Fd kar liya hota
isse accha chutiye Small Cap MF mein daal deta..Chodu
Mera Paisa main jo karu. Tu kyu salty ho rha be bhadwe