Current Update of the Portfolio

With the current market pullback, I’m reinvesting in my holdings and this time I’m making sure not to repeat the mistakes I previously made.

Overall Division

• Real Estate (Residential)- India: 17.70% (In next 3 years exposure would be around 30-35%)
• Stock Investment – India: 26.55%
• Cash FDs – India: 1.77% (AU Bank 8% + Lien for IPO)
• Liquid Cash (savings + emergency) – India: 15.93% (Ready for deploying the money)
• Stock Investment – USA: 5.31% (HDFC ADR, Alphabet, Snowflake and TD)
• Retirement Investment – USA/CA: 26.55% (US Index + Bank Share(ESOP))
• Friend Help (no Interest): 6.19% (want to ask back but don’t know how could I, I think should consider as NPA)

Complete Portfolio Insights (long only) (XIRR: 17.92%, ROI:10%)

Check this out

• Finance – 65.3%
  • Aavas: 17.58% (XIRR: 6.24%)
  • HDFC: 11.66% (XIRR: 12.48%)
  • Bajaj Finance + Kotak Bank: 13.01% + 10.30% = 23.31% (XIRR: Bajaj Finance: 6.89%, Kotak Bank: -1.41%)
  • SBICards + HDFCLife: 2.84% + 4.74% = 7.58% (XIRR: SBICards: -10.70%, HDFCLife: 21.39%)
  • Fusion Finance: 1.30% (XIRR: -82.24%)
• Consumer – 12%
  • Indigo Paints + Berger Paints + Asian Paints: 6.57% + 1.36% + 3.45% = 11.38% (XIRR: Indigo Paints: 34.19%, Berger Paints: 5.69%, Asian Paints: -6.92%)
  • Rajesh Exports: 1.23% (XIRR: -45.83%)
• Consumer Food – 8.1%
  • Hindustan Unilever: 6.07% (XIRR: 7.29%)
  • Tata Consumer: 2.00% (XIRR: 11.70%)
• Healthcare – 5.4%
  • Indegene + Concord Bio: 2.90% + 2.49% = 5.39% (XIRR: Indegene: 0%, Concord Bio: 110.94%)
• Chemicals – 7.5%
  • Archeam Chemicals, Fine Organics, Clean Science, Paushak: 1.23% + 3.18% + 1.52% + 0.86% = 6.79% (XIRR: Archeam Chemicals: -6.10%, Fine Organics: 12.39%, Clean Science: 10.46%, Paushak: 18.02%)
• Metals & Mining – 2.7%
  • NMDC: 2.60% (XIRR: 40.11%)
  • JTL Industries: 0.13% (XIRR: 14.26%)
• Miscellaneous – 1.9%
  • MF_Flexicap_Helios: 1.93% (XIRR: 41.26%)

I’m bullish on India Finance, yet a low yield on XIRR and largely due to under performance of largecap banks and NBFC. I misread the microfinance and personal lending and invested in Fusion Finance on the top of cycle, now showing NPA’s, yet the exposure is minimal but would love some thoughts on that. Additionally have some exposure in Rajesh exports, I’m planning to leave both of them as it is, not cutting losses but not averaging.

I feel I have high exposure to largecap and that is my style, but am open to some smallcap and microcap suggestions for long term.