These are political arguments. Nothing will affect his company. He is running a political party hence he needs to handle his opponents as the situation demands. I think general market valuation was high hence the market was correcting, hence the fall in stock price.

We can invest in China through ETFs. Below are the symbols in Zerodha.

Mirae Asset Hang Seng Tech Index – MAHKTECH
Nippon Hang Seng Index – HANGSENGBEES

You’re too much concentrated in finance sector which is 65% of your entire portfolio which is a negative point perse.

The simple reason of not investing in a single sector is keeping our capital safe, not even the smartest investor would put 7 out of 10 eggs in a single basket.

Your investment in single sector shouldn’t be more than 1/10 or 1/6 of your portfolio which comes down to 17% max.

Also a particular stock shouldn’t be more than 10%.

Other than stocks you have diversified in some safe investments which is a healthy long term perspective.

Also would you tell me your rationale for investing in Rajesh exports ? Have you followed the stock and what do you have to say about it’s recent downtrend following some mis governance issues ?

Hey Everyone!

I’m Dhruv Age 24, Software developer based in North America. Here is my portfolio breakup. I would love to get updates or insights on this.

• Real Estate – India – 20L (Need to pay more 38L over 3 years (under construction property))
• Stock Investment – India – 17L – (XIRR of 16.5% over 3 years)
• Cash FD’s – India – 11L (AU Bank 8% + Lien for IPO)
• Liquid Cash (savings + emergency) – 15L
• Stock Investment – USA – 4.5L (HDFC ADR)
• Retirement Investment – USA/CA – 15L (US Index + Bank Share(ESOP)) (Active Investing 1L/month)

More Insight of Stock Holdings in India

• Finance – 65% (Aavas 26%, HDFC 19%, Kotak+BajajFin 10%, HDFCLife+SBICard < 5%)
• Consumer – 12% (Indigo Paints + Berger Paints + Asian paints 10%, Rajesh Expo 4%)
• Consumer Food – 9% (HindUni 7%, TataConsumers 2%)
• HealthCare – 2% (Concord 2%)
• Metal – 2% (NMDC 2%)
• Chemical – 6% (Archeam Chem 1%, Clean Science 2%, Fine Organics 3%) (Actively Increasing Holdings)
• Helios Flexicap (3%)

According to me I’m over invested in HDFC Bank, aggregating to total exposure to 30-35% (Adding ADR) of portfolio. Same with Aavas Finance. I tried to add position in Kotak Mahindra and Bajaj Finance to reduce over reliance on HDFC Bank.

I use to have exposure to Tech (mainly HCLTECH) of 10-12% in portfolio but looking to current market and me being in software, I have exited in Dec ’23. I also exited Godrej Properties few weeks back when valuations did not comforted me.

I also think, I have over exposure to largecaps and need some midcaps and smallcaps but that is not my style of investing. I feel they are overvalued and there is uncertanity. Still I have started exposing myself to small cap chemical stocks in current market as they are beaten down and I feel the cycle would start in next 2 quarters.

I’m looking to get some feedback on my current spread and exposure to equity. I’m also looking to invest fresh capital, what sector or stocks should I look more into. Eyeing myself to Finance and Chemicals but also looking more into consumer durables and wherever valuations comfort me.

Thanks for your time and reading it!