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8-Step Process to Review Your Investment Portfolio and Increase Returns | Part -2 | ETMONEY

In this two part video, we put forward 8 essential steps that every investor should follow to review their portfolio. These eight portfolio review steps, if followed, can go a long way in not only keeping the performance in line with your expectations but also opening up some interesting financial opportunities that were previously hidden from our sight. Part 1 of the video -    • 8-Step Process to Review Your Investm...   Topics covered 00:00 INTRODUCTION 00:44 STEP 5: LOOK FOR THE RIGHT SIGNALS 04:29 STEP 6: ASK WHY AND APPLY CONTEXT 06:22 STEP 7: CHANGE, DON'T TINKER 09:44 STEP 8: SET CRITERIA FOR ADHOC REVIEWS 11:40 SUMMARY STEP 5 : LOOK FOR THE RIGHT SIGNALS A large part of reviewing one’s portfolio is to determine which assets or which funds have done well and more importantly are likely to do well. This can be done by looking at the right signals there are only four you need to look at - 1. Performance - funds which are in quartile 1 or quartile 2 of the current performance listings 2. Consistency - Funds that have say, spent at least 4 of the last 5 yrs in quartile 1 or quartile 2 but have never been quartile 4 in any of the last 5 years 3. Volatility- a standard deviation of less than 20 4. Downside protection - a minimum Sortino ratio of say 70% or 75% STEP 6 : ASK WHY AND APPLY CONTEXT Once we are done with assessing the portfolio more from a statistical angle it’s time to ask why? Why did your portfolio overperform or underperform? This question is more for investors in actively managed funds and it requires a deeper understanding of what the fund manager has been buying and selling. And once you understand this, you can look to expand the scope of your portfolio review by applying it on other asset classes like gold, fixed deposits, PPF etc. STEP 7 : CHANGE, DON’T TINKER Changing parts of your portfolio is important as it keeps your objectives on track by making key adjustments Five steps to check if your portfolio needs change Step 1. Is where we shall arrive at a numerical basis for the change e.g.will the change improve our portfolio performance by 1% or 11%? Step 2. Figure out the impact of change on other parts of the portfolio like the asset allocation, expected returns, changes in the risk profile etc. Step 3 Is where we want to know if what we are doing is a change or we are tinkering i.e. is this change really necessary? Step 4. Is the go-no go step where we determine if the change is within or outside the tolerance limit Step 5. Are the set of tasks that one needs to do to affect these changes for instance what to buy, what to sell, switches that need to be made etc. Changes to one’s portfolio should be done over the medium term, which is typically 3 to 4 years. STEP 8 - SET CRITERIA FOR ADHOC REVIEWS Ad-hoc review is highly suggested when 1.Stock markets have had a deep correction. Define what a deep correction is for you - is it a 20, 30 or 40% drop in the stock market or is it upon the default of a AAA rated corporate debt or it upon a 50 basis point change in RBI interest rates etc. 2. At times of important life events SUMMARY 8-Steps 1. Gather every piece of financial information and record it in one place 2. Set your portfolio expectations from a returns and risk perspective 3. Assess your portfolio returns 4. Study your portfolio constituents from multiple perspectives such as core versus satellite .. on the basis of the right benchmarks and of course, track your alpha, beta, standard deviation and Sharpe ratio 5. Identifying the right signals to know which funds to buy, retain or sell from within the portfolio 6. Applying context and doing a deep dive on why something happened or didn't happen .. which has the added benefit of making you a better investor 7 How to go about the portfolio change process 8. Accommodating an ad hoc portfolio review if and when the situation demands it 👉Resources- Investing in Best Mutual Funds | Should You Invest in Top Mutual Funds based on Last Year's Returns? -    • Investing in Best Mutual Funds | Shou...   India's Best Mutual Funds (2011-2020) | How to Identify the Best & Most Consistent Funds? | ETMONEY -    • India's Best Mutual Funds (2011-2020)...   AXIS Mutual Fund are overperforming -    • Why are Axis Mutual Fund's Equity Sch...   Why the equity schemes of HDFC Mutual Fund are underperforming. -    • Why are HDFC Mutual Fund's Equity Sch...   BCG India Economic Monitor - https://www.bcg.com/en-in/india-econo... #ETMONEY #Portfolioreview #mutualfunds #learnwithETMONEY 👉 To invest in Direct Plans of top Mutual Funds for free, download the ETMONEY app: https://etmoney.onelink.me/unJQ/5ca1a... 👉Read more such informative articles at https://www.etmoney.com/blog 👉 Follow us on: ► Facebook:   / etmoney   ► Twitter:   / etmoney   ► Instagram:   / etmoney_official   ► LinkedIn:   / et_money