Hi everyone, I had started investing from August 2024. Saw the all time high of Nifty and then the fall. So my timing for starting was a little expensive. Anyways, now I am here with these shares/funds. I would like your expertise on my portfolio.
Voltas and Lloyds (havells ) are into acs …so u can get out of any and get something else .
Personally havells is better than voltas as its more stable diversified,and better brand value
Havells is more diversified and doesn’t sell much AC. I found Fans and electrical equipments are best for havells, so purchased it. However, seeing summer and heat waves in india, voltas is better suited as it makes AC, coolers and water coolers. They are overlapping but they are purchased for different value considerations. Thanks for your opinion though, appreciated.
My only suggestions would be to allocate more to mutual-funds or Index Funds and ETFs. You have started very recently. So unless you have a well thought of investment plan, sticking to passive investments and trying to refine your investment strategy is logical.
Once you are confident of your investments with a good track record, say in 3-5 years you can consider increasing allocation to direct stocks.
One large, one Mid and one Small cap index fund will be perfect. Can look to average a better return than nifty atleast.
By doing this, you will outperform most of the mutual fund managers, which is also your goal. I don’t know how you will average over 20% consistently but I wish you do.
