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!
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