YUNOVA · Mutual Funds
Module 10: Portfolio Banana
Asset allocation kaise karein
Key points
- Asset allocation divides money between equity, debt and other assets.
- The mix depends on your goal, time horizon and risk tolerance.
- Allocation usually matters more to portfolio risk than picking individual funds.
Goal based investing kaise karein
Key points
- Goal-based investing links each investment to a specific goal and date.
- Long-term goals can hold more equity; short-term goals suit debt funds.
- Work out the amount needed, then the monthly SIP to reach it.
Mutual fund portfolio rebalancing kaise karein
Key points
- Rebalancing brings your portfolio back to its target asset mix.
- You can rebalance on a fixed date or when the mix drifts past a set band.
- Selling to rebalance can trigger capital gains tax and exit loads.
Mutual fund portfolio overlap kaise check karein
Key points
- Overlap means two funds hold many of the same stocks.
- High overlap gives less diversification than the number of funds suggests.
- Compare fund portfolios with an overlap tool before adding a new fund.