Poor guys small portfolio

HDFC bank Hold

Kotak bank if you have very convinction then hold or convert to. good company
Switch to ICICI BANK OR other small cap

Sell Motilal Oswal and re allocate the capital

Reason : my dad had myself had invested in 2.5 L in portfolio investing of Motilal Oswal

It gave Good returns 26%in 1.5 years

But Relationship manager does not closes the Account as my dad needed urgent for buying property

They just Give lectures and was not providing services only

I was fed up ,
Shocking Part there is no Proper structure for customers care call , it diverts and no physical person is available only to handle issue

I had to email to CEO , And all high hireachy people multiple times

Local RM does not how to do profit booking

Customer has not right to do profit booking

Worst Experience
I got the money that too through email update about processw when they are doing activities
No RM or sineor hierarchy contacts on ur email or personal number

They just tell you have not right to email ceo and gave normal email but my mail ceo escalation gave pressure

I also respect Ramdeo Agarwaal but no way I am going invest my money in business where customers are having nightmare after sales

Follow Ramdev Agarwal for value investing lessons but not to invest Motilal oswal

Rest is your choice
P.S many celebrities / may dumb HNI may be giving Motilal oswal for investing

But they are acting to do value investing but not doing it
Just Indian market is kind so they are making money buying selling in large stocks
They never hold for long term like we value investor do

Mankind Pharma Hold
But get it due diligence and future aspects for pharma guy or senior investor
I am not right person to advise on pharma

Nesco

U can check Valuepicker post
It is showing some red flags
My advice would be sell

Restaurant brand Asia sell

Kind of investment you have chosen it is way risky
I also liked Rishabh instruments
After ipo it was near 52 week lows / good buy zone

But this kind of business will eat up your years of investment and provide not returns
It’s odd are such that
With High Capital you can keep small tracking positions
But not in small portfolio concentrated position

You can keep doing arguments but odds is not good for your portfolio

Same goes for radiant ,

Taraon I have kept 1 share for tracking
From 2 years it is not performing
Kindly accept and keep it as loss or book loss
Your choice

HDFC life 5 years 15% returns

Regular portfolio targets 26% per year returns as rule of 72
Concentrated portfolio expectations are high
I will suggest not to keep even small tracking positions

Smarts investors will simply understand by 5 returns

I know IRDAI has brought many new rules which can be give turnaround
But don’t expect multibagger resturns
Rather change positions to get good returns

I had also done same mistakes as new investor

I myself started as new demat Account
Learned from Valuepicker
And new portfolio 90% stocks are in profit
It doesn’t affect your investing and returns calculations
Simple maths
Mixing up will get you yours efforts good but calculation and u will not see proper results even after doing good

As you are seeing mix results

This portfolio is your choice what to do or not to do
But please start with new zerodha

U have the edge
But edge + studying business in Valuepicker = results

90% success ratio was showing my personal study is not wrong but picks should be good