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If you seek excitement from your investment portfolio, you are doing it wrong.One of my clients recently asked “Why don’t we invest in hot themes like AI, defense, and other growth stocks? Why only value-focused portfolios?”I asked, “Why do you think we should invest in these hot themes?” He said “I feel we are missing out”Classic – Fear of missing out :)I told him that his investment portfolio is already generating excellent returns close to…

The Secret to Long-Term Investment Success: Focusing on Risk, Not Just ReturnsWhen building an investment portfolio, many focus solely on maximizing returns. But here’s the truth: risk is more important than returns in achieving long-term success.Why? Because risk is something you can control, while returns are unpredictable. Unfortunately, many investors tend to chase high returns in a bull market and panic about risk in a bear market. But seasoned investors, like Warren Buffett, take the opposite approach:“Be…

We onboarded a client with a portfolio of around INR 50 Crores, earlier managed by a big & reputed wealth management company. The portfolio was constructed for retirement purposes with a 12-year investment horizon. The risk profile of the client is moderate. When we did the portfolio health check-up, we found that there were close to 50 products in the portfolio. 40% allocation in Alternative Investment Funds (AIFs) and 20% average in debt. The annualized…