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Family Finances: How to rectify portfolio flaws to get optimal returns?
Sandipan Mallicks equity portfolio has 60 stocks and mutual fund schemes. The number has bloated beyond manageable levels. It is getting completely out of control, says the 41-year-old Mallick. While he is unnerved by the size of his portfolio, Mallick doesnt know that he also has some dud investments which are draining his resources. Still, realising ones follies is the first step towards reformation. Before we expound on the solution to his problem, let us consider Mallicks financial status. Mallick is a salaried man earning Rs 70,000 per month and he lives in Mumbai with his wife Mithu, a home-maker. Though they dont have a child, they expect to have one and have included his/her education and marriage among their goals. Retirement is another goal they want to stock up for. This may not be a problem as their expenses are likely to shrink by a sizeable amount very soon. At present, Mallicks expense...
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