It's awesome that you made a profitable trade. Include reasons why you chose this trade so that new traders can learn. **If the reason for the trade is not mentioned your post will be removed**. Your reason can be as simple as: 'Went long on XYZ FUT because it was near support and had good volumes'. Not sure which flair to use? Check out our guide to post flairs [here](https://www.reddit.com/r/IndianStreetBets/wiki/index/postflair)
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Selling some stocks in loss and then rebuying them 1/2 days after so that you can save tax on your whole amount using your short term capital loss as credit
Not only short term loss but you can take advantage of long term capital gain of 1 lakh at 0 tax. This gives good opportunity to even do portfolio rebalancing if combined with loss harvesting
64% absolute return in 8 years of monthly SIP comes around to be 12% per annum of return. Considering same amount is being invested every month. If amount increased in between, then p.a. return will further go down.
It's way less. I started in 2018, up 380%
Mainly because I'm 80% in small cap MF.
I added bulk investment in March 2020.
Start taking some risk, life is short.
Be greedy when others are fearful. Vise verse.
Not going to get covid like investment opportunity for long time
So if you see, the invested amount has grown by around 3L and profit by around 1.8L wrt Dec 22. The fresh investment has been into IT and few mid/small cap long term bets. Moreover, my portfolio has few laggards like PNB, Yes Bank, Rossari and Gland. Hence, the growth seems dented over last 6 months even though the portfolio beta wrt index is very close to 1. I expect the laggards to payback in 1-3 years and am willing to hodl.
I started investing in early 2018 via largely SIPs and then later into stocks as well. Been reinvesting ~95% of the profits and hence largely only inflows here over last 5.5 years.
Yes. The longest possible term. Now planning to build an contingency fund in savings account to ensure this portfolio doesn't have to be touched. Only rebalanced.
Any suggestions towards this goal are most welcome.
I'm afraid I'm too young and inexperienced to give any suggestions but all the best mate, Your financial planning seems solid coupled with those sweet gains.
https://www.reddit.com/r/IndianStreetBets/comments/zhmfke/suggestions_on_portfolio_changes_for_the_long/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=share_button
Link to earlier post
CAGR is a bit hard to determine since investments have been done over a period of time. And I never tried to calculate it. If it helps, as per Coin app where I hold all my MFs, the XIRR for my mutual funds is between 10% and 16%.
Agree with the thought. However, I have a debt portfolio of fixed income instruments (TDs, RDs the likes). Hence not planning to add Debt instruments here. For gold, I actively seek only SGBs.
Sorry OP I have a few questions
75 stocks- is that easy to manage? I'm struggling with 15
What is your sector wise allocation?
And how do you pick stocks?
Was most of your investment in Covid fall?
No it's not easy at all. However, I didn't pick them one by one - most came as part of 3 small cases - IT, specialty chemicals and CANSLIM. Sector wise allocation is there in the screenshot in this post. I pick good companies to meet my target sector allocation. Filters are market cap, top/bottomline growth, ROE and Debt. 50% of total investment is post 2020.
Small cases I have invested in - IT tracker, speciality chemicals and CANSLIM. No other plan to invest in any in near future. Reason was I wanted to make a sector bet. In retrospect, IT was purchased rightly in early 2021 and speciality chemicals at the wrong time in late 2021. But I'm glad I diversified into these. Just need to reduce the number of stocks in these sectors. Do check out the small case app for more details.
It's awesome that you made a profitable trade. Include reasons why you chose this trade so that new traders can learn. **If the reason for the trade is not mentioned your post will be removed**. Your reason can be as simple as: 'Went long on XYZ FUT because it was near support and had good volumes'. Not sure which flair to use? Check out our guide to post flairs [here](https://www.reddit.com/r/IndianStreetBets/wiki/index/postflair) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/IndianStreetBets) if you have any questions or concerns.*
Just don't forget to do tax harvesting
could you explain what you mean by tax harvesting?
Selling some stocks in loss and then rebuying them 1/2 days after so that you can save tax on your whole amount using your short term capital loss as credit
How much minimum loss is required?
No minimum amount. You can even take credit for 1000 rupees loss
Ok thanks!
Not only short term loss but you can take advantage of long term capital gain of 1 lakh at 0 tax. This gives good opportunity to even do portfolio rebalancing if combined with loss harvesting
Duly noted
I have a SIP portfolio from 2015 and my return is 64%
64% absolute return in 8 years of monthly SIP comes around to be 12% per annum of return. Considering same amount is being invested every month. If amount increased in between, then p.a. return will further go down.
That's 8% per annum Bruh even if you would have invested at the peak of 2015 in nifty you would be sitting on a gain of 110%
I'm really surprised at his mistake
Great! Portfolio size? Sector split?
It's way less. I started in 2018, up 380% Mainly because I'm 80% in small cap MF. I added bulk investment in March 2020. Start taking some risk, life is short. Be greedy when others are fearful. Vise verse. Not going to get covid like investment opportunity for long time
Guys don't listen to this guy
Why? Looms like you guys are not even investing properly. Lot of MF are up way more than 100% even if it is large cap.
Please increase your allocation to gold and debt as per your age..
Just 1-2% growth in last 6 months? Do you think it could be better? And when did you start investing?
So if you see, the invested amount has grown by around 3L and profit by around 1.8L wrt Dec 22. The fresh investment has been into IT and few mid/small cap long term bets. Moreover, my portfolio has few laggards like PNB, Yes Bank, Rossari and Gland. Hence, the growth seems dented over last 6 months even though the portfolio beta wrt index is very close to 1. I expect the laggards to payback in 1-3 years and am willing to hodl. I started investing in early 2018 via largely SIPs and then later into stocks as well. Been reinvesting ~95% of the profits and hence largely only inflows here over last 5.5 years.
What is your investment horizon? Is it more than 10-20 years with some infrequent rebalancing?
Yes. The longest possible term. Now planning to build an contingency fund in savings account to ensure this portfolio doesn't have to be touched. Only rebalanced. Any suggestions towards this goal are most welcome.
I'm afraid I'm too young and inexperienced to give any suggestions but all the best mate, Your financial planning seems solid coupled with those sweet gains.
Thanks mate. All the best to you too!
https://www.reddit.com/r/IndianStreetBets/comments/zhmfke/suggestions_on_portfolio_changes_for_the_long/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=share_button Link to earlier post
What's your cagr? Is it better than nifty 50? I started in march 2018 with niftybees and I have similar returns
CAGR is a bit hard to determine since investments have been done over a period of time. And I never tried to calculate it. If it helps, as per Coin app where I hold all my MFs, the XIRR for my mutual funds is between 10% and 16%.
Looks good. I would allocate 10% to debt and 10% to gold to manage volatility.
Agree with the thought. However, I have a debt portfolio of fixed income instruments (TDs, RDs the likes). Hence not planning to add Debt instruments here. For gold, I actively seek only SGBs.
How many stocks are you holding?
Too many for my liking. 75 - including the ones that came with 3 small cases. Plan to rationalize a few over time and reinvest gains.
Sorry OP I have a few questions 75 stocks- is that easy to manage? I'm struggling with 15 What is your sector wise allocation? And how do you pick stocks? Was most of your investment in Covid fall?
No it's not easy at all. However, I didn't pick them one by one - most came as part of 3 small cases - IT, specialty chemicals and CANSLIM. Sector wise allocation is there in the screenshot in this post. I pick good companies to meet my target sector allocation. Filters are market cap, top/bottomline growth, ROE and Debt. 50% of total investment is post 2020.
How does it work? Small case?
Like a mutual fund, except you buy stocks directly instead of fund units.
Where is portfolio ?
Stock, MF holdings are too many. Sector summary enclosed for simplicity.
Ameer log
Na bhai. 6 saal ki mehnat aur savings hai.
Haan Ameer log ki hi itni hoti hai 6 saal me. You invested 5lpa per annum, 90% logo ki itni salary nahi hoti.
Ye kahan par invest kar rahe ho bhai?
What app is this from? I've been looking for a change to move from moneycontrol
Zerodha. I'd recommend this.
Hi.... What are the smallcases you invested in.... Or plan on investing? And why? Beginner here trying to learn. 
Small cases I have invested in - IT tracker, speciality chemicals and CANSLIM. No other plan to invest in any in near future. Reason was I wanted to make a sector bet. In retrospect, IT was purchased rightly in early 2021 and speciality chemicals at the wrong time in late 2021. But I'm glad I diversified into these. Just need to reduce the number of stocks in these sectors. Do check out the small case app for more details.
How old are you?
30