7 Strategies to Simplify Your Investment Portfolio & Make it Less Stressful

Can you please make SIP calculator with partial withdrawal/ profit booking.

Everyone talk about long-term goals but it is hard fund a calculator which factors in mid term goals.

For example, I'm in investing for Retirement wealth creation and child education for period of 20 years period. However, I also need money for Home down payment for which I can't wait for 15-20 years. I need about 10-15 lakhs in next 3-4 years which excludes the long investment plan. Please help me with this.

Expressing gratitude to Shankar for generously sharing valuable information 👍, I've crafted a concise summary that captures key insights. This is intended for those pressed for time, with an encouragement to watch the video for a more in-depth understanding


1. Split your investment portfolio as [Core + Opportunity].
80% in Core
20% in Opportunity

2. Split the Core into Equity, Debt and Others
60% in Equity
30% in Debt
10% in Others

3. Rebalancing is important and use as much automation tools with the
financial product.

4. LumpSum money [Annual Bonus, Fixed Deposits, Bond yeild, Dividend,
Wire-transfer on Side Project etc].

1. Use this money for Pre-Planned Spends:
a. Buying a House
b. Prepaying a debt
c. Purchase of Laptop etc.

2. Allocate to Debt:
a. Small Duration - Fixed Deposit, Ultra Short Term or Arbitrage Fund
b. Long Duration - Fixed Deposit or Target Maturity Fund.

3. Move the money from Debt to Equity:
a. Use STP feature to move the money from debt to equity.

5. Select a Mutual Fund for you
- Don't run for the best AMC every eary Funds in 25 %tile has a tendency
to move down in the next year so it is important to stick to one with
which you have started and just keeping track of its performance and
whether it is satisfying you goal.

6. Simple and Effective Stock picking:
- Don't have an Eye on or a view on every Stock. (10,12,15 stocks is good enough)
- Have an Investment Thesis
a. Why are you keen on buying this stock?
b. How does the company make money?
c. What is the growth Potential?
d. What are the risks?
- * Build your own Investment Criteria
Example :
1. Will the Business be around 100 years from now?
2. Does it have a Large & Growing MOAT?
3. Is it run by talented and shareholder friendly managerment?

* For other approach follow some other videos of the channel.

7. Track, Review & Clean UP
- Use Spreadsheets or Utilize the services of online portfolio tracker.
- This can help in knowing :
a. How is my Wealth growing?
b. Which schemes are better than others?
c. What's the portfolio's asset allocation
d. What kind of rebalancing I need to do.

# Benefits of a Track, Review and Clean Process
a. Visibility on Immediate and LongTerm Goals.
b. Identify growth opportunities.
c. Avoid Unnecessary risks like over exposure to one sector, stock or
asset class.
d. Save on Taxes (Tax Loss Harvesting)
e. Reduce Portfolio Volatility.
f. Sleep Well & Become a Confident Investor.

Expressing gratitude to Shankar for generously sharing valuable information 👍, I've crafted a concise summary that captures key insights. This is intended for those pressed for time, with an encouragement to watch the video for a more in-depth understanding


1. Split your investment portfolio as [Core + Opportunity].
80% in Core
20% in Opportunity

2. Split the Core into Equity, Debt and Others
60% in Equity
30% in Debt
10% in Others

3. Rebalancing is important and use as much automation tools with the
financial product.

4. LumpSum money [Annual Bonus, Fixed Deposits, Bond yeild, Dividend,
Wire-transfer on Side Project etc].

1. Use this money for Pre-Planned Spends:
a. Buying a House
b. Prepaying a debt
c. Purchase of Laptop etc.

2. Allocate to Debt:
a. Small Duration - Fixed Deposit, Ultra Short Term or Arbitrage Fund
b. Long Duration - Fixed Deposit or Target Maturity Fund.

3. Move the money from Debt to Equity:
a. Use STP feature to move the money from debt to equity.

5. Select a Mutual Fund for you
- Don't run for the best AMC every eary Funds in 25 %tile has a tendency
to move down in the next year so it is important to stick to one with
which you have started and just keeping track of its performance and
whether it is satisfying you goal.

6. Simple and Effective Stock picking:
- Don't have an Eye on or a view on every Stock. (10,12,15 stocks is good enough)
- Have an Investment Thesis
a. Why are you keen on buying this stock?
b. How does the company make money?
c. What is the growth Potential?
d. What are the risks?
- * Build your own Investment Criteria
Example :
1. Will the Business be around 100 years from now?
2. Does it have a Large & Growing MOAT?
3. Is it run by talented and shareholder friendly managerment?

* For other approach follow some other videos of the channel.

7. Track, Review & Clean UP
- Use Spreadsheets or Utilize the services of online portfolio tracker.
- This can help in knowing :
a. How is my Wealth growing?
b. Which schemes are better than others?
c. What's the portfolio's asset allocation
d. What kind of rebalancing I need to do.

# Benefits of a Track, Review and Clean Process
a. Visibility on Immediate and LongTerm Goals.
b. Identify growth opportunities.
c. Avoid Unnecessary risks like over exposure to one sector, stock or
asset class.
d. Save on Taxes (Tax Loss Harvesting)
e. Reduce Portfolio Volatility.
f. Sleep Well & Become a Confident Investor.

Sir, I have watched so many videos of yours on investing in equity, investing in MF etc. Currently I am investing 50% in both categories. So far my equity is generating 15% while my MF is generating 25%. Please note I started investing in MF since 2 years and in equity since 1 year.
I want to know which option is bound to give better returns

Which app is best for all types of investments

Wow. You are a great teacher. The way you share valuable information is by far the best.

Can you do a video on Flexi Cap vs multi cap.... because multi Cap funds are confusing

getting reliable data to do analysis is difficult where to get data to analyse in excel as you show

As usual, very very useful tips shankar ji. Can you also share your thoughts on
securitized debt instruments. LoanX by Gripinvest
is offering between 12% to 13% IRR for SDI's. Can
we consider them as some fixed income
instruments or alternate investment. Please shed
some light on this.

Thanks for an excellent post Shankar.

Good Summary of all topics

Have 2 low cost index etfs for last 20 years and never changed and kept focus on BMI & health as priorities

can i get the list?

Very Good

Thank you very much

Very good and helpful content. Thank you very much.

A good knowledge information after long time in decent way love your way to analising

Please make a video on most consistent mutual funds which spends most of the time in quartile 1 or 2.

Quit ET money ?

This is gold.

Namastey. Very useful info. Request you to make a video on online sites that enable tracking of our portfolio. Please discuss as to how dependable they are. Tku

i like your videos Sir, thanks....

Excellent video Shankar! I loved that you shared often ignored pointers when it comes to not just building a portfolio but also managing it in a healthy manner. Many thanks & Happy Republic Day!

Extremely good

Nice outfit ☺️👍

Excellent video. Thanks

Very useful one sir, thank you very much

again amazing content sir, points discussed in 1st 2nd and 4th topic are amazing...thankyou so much sir

should we invest in
index fund,as most of the mutual funds does not give returns more then their benchmark

everyone gets reply from you,sir but i dont get the name of the yellow book at backside.

another bundle of knowledge from u bro.. every investor should watch.. without any stock recommendations u have huge followers,just because of the genuine content..i ve completed 5 yrs of investment..best things i learned from u for years NEGLECTING SOCIAL MEDIA NOICE, EXCITEMENT HAS COME down, NO FOMO,etc...

Hi Shankar. Thank you for this high quality video as always.

In "build your own criteria" section how does one do the required research? With so much sources of data, what can be a single source of truth for retail investors?

Would love to hear what are the 4-5 funds in which you've invested and what was rational behind it
Also When to exit from fund if it seems non-performing then competitors.

Beginner here
I have divided my folio into 3 parts. Large mid and small and half of large cap is cpseetf. Can i just keep it as its and continue with an sip fpr the same? Tumne horizon is 7+ years. Please advise

Gratitude:-)

Agree that every video of yours has something new to learn. guess that's really your USP. keep going!

What about smallcase ???? It's work ?

Watching your video always increases my knowledge about investing, thank you 🙏 keep doing the good work

Solid. I posted this video in my 1000 clients telegram brodcast.

bolo shankar bhagwan ki jai. thanks for this video

What an informative video as always.. ❤ed it and thank you🙏...
I'm also trying to simplify my portfolio by learning everyday.. For the time being, I've bifurcate my portfolio (only equity) into 'Core' and 'Satellite'.
• The Core contains a Sensex index, a Midcap150 index, a Nasdaq100 index and a Smallcap (active) fund.
• The Satellite contains a Midcap and a Smallcap active fund.
I hope, in forthcoming days, I'll be able to understand the journey in a better way.

Nice

Hi sir edelweiss China equity fund is 33% down what one supposed to do now kindly advise

Excellent video?, thanks

super : simple but important.

Excellent video❤
Don’t have words to appreciate the quality of your content👌👍

I appreciate your sincere efforts on how to build, manage, monitor and clean up junk in one’s portfolio in a simple and effective manner. Thanks Shankarji. 🙏

You're GOLD