The pf looks heavily concentrated on banking/ financials/ Insurance. This may adversely impact returns. However if you have deep knowledge of the sector, and have high risk appetite then you may have an edge. Intriguing to see despite concentration on banking/ financials, there’s no HDFC bank. Any particular reason? Professor Bakshi shared his presentation on a similar subject, which is worth going through. It can be accessed here https://fundooprofessor.wordpress.com/2019/10/13/non-ergodicity/ . There’s is also a very nice thread on capital allocation frame work, which you might want to go through. Towards a Capital Allocation Framework!
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