The combined portfolio is as below:
| Investment | Allocation |
|---|---|
| Real Estate | 53% |
| Direct Equity | 30% |
| Fixed Deposit | 8% |
| National Savings Certificate | 4% |
| Public Provident Fund | 2% |
| National Pension Scheme | 2% |
| Savings Account | 1% |
| Total | 100% |
I don’t have investment in mutual funds but have majority of my investment in real estate. The valuation of real estate is a guess work based on buying value which was surprising to me. I always thought I had most of my investment in equity. On liability side also, I have loan related to real estate only.
I tried to diversify my equity portfolio and made some profits also. But I have a tendency to sell low conviction stocks in panic so couldn’t make any big money in them. So I am studying some companies to get familiarity so I can stay for longer in them.
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