Not many investors know whether they have invested in the right funds and if their fund portfolio is on track. The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.

Gaurav Khosla is investing for his daughter’s goals and retirement. Here’s the doctor’s advice.




  • Started investing in tax saving ELSS funds 6-7 years ago.
  • Early start and good fund selection have helped build sizeable corpus.
  • Goals are ambitious and need pruning to realistic levels.
  • Retirement target reduced to Rs.15 crore.
  • Stock investments require research. Stick to funds.

Note from the doctor

  • Buy life insurance to safeguard ambitious goals.
  • Avoid fixed deposits. Invest in PPF and Provident Fund instead.
  • Review investments and rebalance at least once in a year.
  • Reduce risk when goal is near so that you don’t miss the target.

Exit equities for near term goal

Sanjeev Singh is saving for multiple goals. Here’s what the doctor has advised him:




  • Investing in stocks and equity funds for several years.
  • Funds are good, but needs to increase investments.
  • Should redeem stocks and shift to debt for house purchase goal.
  • Opt for maximum equity exposure in NPS account.
  • Review investments and rebalance at least once in a year.

Portfolios analysed by Raj Khosla, Managing Director and Founder, MyMoneyMantra.


If you want your portfolio examined, write to with “Portfolio Doctor” as the subject. Mention the following information:

  • Names of the funds you hold.
  • Current value of the investment.
  • If you have SIPs running in any of them.
  • The financial goals for which you invested.
  • How much you need for each financial goal.
  • How far away is each goal

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