Mutual Fund Portfolio कैसे Manage करें बिना Panic के? Face2Face with Dhirendra Kumar

In this video Dhirendra Kumar shares valuable insights on managing mutual fund portfolios with a long-term perspective, emphasizing the importance of not succumbing to panic during market fluctuations. He advocates for a consistent investment strategy, recommending a minimum holding period of five years, particularly with lower-cost funds. Kumar discusses the evolution of investor behavior and stresses the need for a mindset shift from viewing investments as speculative ventures to understanding them as ownership stakes in companies. He cautions against over-diversification and suggests that patience and thorough research are crucial for long-term success. Emphasizing asset allocation and systematic investment plans (SIPs), Kumar encourages investors to create personalized strategies aligned with their financial goals while remaining calm amidst market volatility. Overall, the discussion aims to equip investors with the knowledge and confidence needed to navigate the complexities of mutual fund investing effectively.

Dhirendra Kumar advocates for a long-term investment approach, suggesting that investors maintain an all-equity portfolio for the first five years. Once they've achieved significant savings, equivalent to five years of income, it's advisable to allocate 10-15% to fixed income to provide stability during market volatility. The speaker emphasizes the importance of monitoring fund performance over time and recommends reevaluating funds that fail to outperform their index after three to five years. Ultimately, the message encourages investors to remain informed, conduct annual reviews, and avoid overthinking their investment choices to enhance their investment experience.

Dhirendra Kumar also emphasizes the importance of a long-term investment strategy, suggesting that one should maintain an all-equity portfolio for the first five years before considering asset allocation adjustments. After reaching a meaningful level of savings—akin to five years of income—the speaker recommends allocating 10-15% to fixed income for stability during market fluctuations. They advise monitoring fund performance and allowing time to evaluate changes; specifically, if a fund stops outperforming its index after consistently doing well for three to five years, it may warrant a reevaluation after a couple of years.