Investment Portfolio.
Every Organisation has books and Bookkeepers, whose only job is to enter the income and expense and keep the track of it . But I don't have an organization. Do I still need to have a bookkeeper?
obviously NO !, When are you going to be the be master of your own books!
Let`s know, what is a portfolio and why to waste our time knowing about it.
The portfolio is nothing but a map to a wanderer, an Index to the Bible, or simply an account of investment.
over the period of one's life a man makes multiple investments some intangible and some intangible, but what matter most is knowing the health of each and future of the same,
It sounds like a lot of tasks!
When RAGHU was 20 yr old he got 1000rs SIP, at age of 25 he made 50,000rs FD, at age of 26 he got equity, at 30 a real estate and list continues. But that 1000rs Sip at age of 20 is still dear to him, cause he not only invested money but time too, but what if his SIP started drowning, or he lost hold of it. Anything can happen If Raghu just invested and forgot, instead of INVEST REVISE & REINVEST.
The portfolio is an account of all investments held by any individual or organization.
The factors which make your portfolio strong are
- Diversified Investment
- Dynamic tracking
- Easy To understand
We will discuss each factor in detail and with that, we enter into the world of Financial Literacy.
Diversified Investment
There are various types of investment in the market from safer bonds to high risk Forex, The ultimate selection of these investments give your portfolio the foundation to generate passive income forever,
What I personally believe is that the portfolio should have 30 % safe investments like fixed deposit, LIC, Bonds, RD, PF.
50 % medium risk like real estate, Gold, Silver, Patents, CRYPTO, NFTS, Mutual Funds these investments are not totally safe as they sound because they depend on economic factors which are impossible to predict or evaluate.
and 20% High-Risk Investment, who will pilot the portfolio, as this small chunk of investment is needed to give you a breakthrough and thrill of investment, Equity, Forex, future & Commodity, comes under the High-Risk banner with the promise of high return but at the same time with the curse of heavy loss too.
the overall distribution gives the investment a Stable CAGR and promising return. You can still receive average returns without High-risk investment, But before that do read time value of money
Dynamic Tracking
The conventional portfolios do not have a proper dynamics to understand the growth or forecast of investments, But in the era of technology and Data, everything has become seamless and with a click,
Multiple Excel templates can be found on the internet, which helps you to not only track investments but understand their future as well
Just taking the note of the Current value of the investment is not sufficient,
for example, a Mutual fund doing great in 1 st quarter then making a loss in 2nd quarter, gives a low return, But what if we tracked it dynamically and pulled the investment in 1st Quater itself. Giving us good returns and the opportunity to invest principle in other financial products.
Moreover, the Dynamic Portfolio gives you clarity on available to liquid funds as well as a comparison between all the investments made to date.
(Mail me at aditya.patel2609@gmail.com if you need one)
Easy to Understand
Not everyone is financial-wiz, most of us are 9-5 employees working hard to earn money and get no time to get financially literate, and what can be better than a smart portfolio, giving you all the basic advice and output needed to judge the investment.
there is no need to learn typical and complex Finance knowledge a basic does the most.
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