You have got nice portfolio…
But what was more interesting was your journey from 2008 till today…From stocks to mutual funds to back to stocks again.
I would like to dig this deeper, as this question is always onnthe minds of most investors whether to do direct investing in stocks or mutual funds?
And fortunately, your’s is a real.life case where you provide data of 15 years from 2008 to help come to some conclusions…
There are certain randomness in work here too…
- what if , since your stock selection was good , you ended up having 19% CAGR , superior to mutual funds of 12%…and this could have been a lot lesser or even negative if you would have chosen wrong stocks or your selected stocks had been wrong businesses. So any luck factor here?
- similarly, what if, your selected mutual.funds were average and hence given 12% returns, and had you invested in SBI small cap or Nippon small cap, may be your returns would.have crossed 20% CAGR …
So , now what decision you have taken?
All stocks? All MFs? Or combination of both?
Thirdly, your portfolio also has HUL , Pidilte, …do you have individual CAGR they have provided over long term…In recent times , these companies business performance is low and stock performance is also low.
So what must be your rationale behind retaining/ choosing them?
Kindly enlighten. Thanks
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