Hello,
In my opinion as a CFA aspirant, you have a rather high exposure to HDFC Bank.
It is not only about the individual holdings but I suggest you also look at the stock composition of your mutual funds. Since you have the Index Fund, it is highly likely that you also have HDFC Bank exposure through there.
I am not aware of the composition of your Parag Parikh Fund but if the fund is also holding HDFC Bank shares it further increases your exposure.
I strongly suggest you atleast cut down your direct stock exposure to HDFC Bank.
Also, 35% cash which you hold is also not a good indication since inflation will affect it. I suggest you look at Liquid Funds to temporarily keep the cash until you choose to spend/deploy it.
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