As they say each dog has its day, so even battered down PSUs and the likes can surprise us, due to unexpected or unforeseeable conditions.
PF construction in itself is a learning and journey, as you have pointed out. Either we create one with strong, established, household names which can still deliver 15%, or create a PF with sectors that are in vogue, rising or even niche, either top down or bottom up.
I think, as we progress as investors, the number of stocks that have gone out of the PF will be more than those which remain. All of this is learning.
And as far the MF performance goes, we can only pick the funds after they have performed, and we cannot do that in the middle of their journey, unlike with stocks. Of course, we can select a fund based on a few qualitative and quantitative parameters at the time of our selection.
There are many ways to construct a PF and as such many ways to tinker with it too. Either we can focus on a number if we have one and see if we are going towards it as time passes, or expect a certain return from the PF, and make it happen, in ways we can. The beauty of personal finance.
Again just my thoughts.
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