S01 E01 : April-2025 - Clean slate
💭 Monthly Commentary - April 2025
Starting April 2025 with a clean slate. Towards the end of post-covid bull run, felt that the Portfolio has gone down in Quality, gone up in Valuation & Concentration. Sometimes, it helps to start afresh than to take selective action. This was one such reset and we have started April 2025 like that.
The month saw gradual portfolio building with small 1-2% allocations across selected names. Not in a hurry to allocate high % to a stock, bring down cash, etc. Coming months too will continue to see similar approach.
🎯 Key Points
- • Building direct equity exposure gradually
- • Maintaining MF allocation at 20-25%
- • Monitoring retirement fund growth
- • Strategic gold allocation timing
📊 Portfolio Details & Charts
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Portfolio Details
Portfolio as on April 30th 2025, from a clean slate at the start of the month, started with small allocation 1-2% in few names.
Overall Asset Allocation
Gold & Retirement (EPF & NPS) continue to gain weight gradually. Real estate shrinking. Foresee equity gaining weight going forward.
Zerodha Performance Analysis
A clear outperformance when compared to all indices, hope it beats/matches Microcap 250 too. I consider this my license to do direct stock investing. This is reset by end of March 2025. We will consider performance from April 2025 going forward.
Equity Mutual Funds Performance
Mutual fund allocation gives stability and acts as a buffer if I screw up direct stock portfolio. Would prefer to maintain it in 20 to 25% range, continue SIP and no withdrawals.
Equity Allocation Breakdown
Allocation of Stock, MF and Cash in the portfolio. Direct stocks allocation starting to rise after 0% at the start of the month.
Total Equity Portfolio Value
Total vaule of the Equity portfolio (Stocks + Equity MF + Cash). This includes inflows and outflows as well, not just appreciation.