Share Your Financial Portfolio...

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Last Comment 2024-03-10

2021-11-03

Want to know how dimers diversify their savings, Investments & Insurances.

Please mention % of each, in savings which bank or any apps which gives instant withdrawal any time.

Investment- Mutual Funds, Shares, FD, bonds or Gold, any other investment apps (ex: tradecred)

in insurance give insurer & Coverage ( Life, Health & term)

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Finance

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Top Comments

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8066175

LordGane

2021-11-03

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I can't give % because I don't follow rules or asset allocation steadfast. Term Life - ₹1.6 cr (Max, Reliance) Health - ₹3 lakh base + 24 lakh floater with kid (Religare, Ergo) MF - ₹7.5 lakh Real estate1 - ₹17 lakh plot (price I paid) Real estate2 - ₹34 lakh (of which ₹24 lakh loan) PF - ₹8.34 lakh PPF - ₹ 2 lakh NPS - ₹ 7.9 lakh SSY - ₹ 3 lakh Stocks - ₹ 6 lakh (approx)

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8069468

xuseronline

2021-11-05

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This is how mine looks like at present: 8069468ZyPSLBs

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8069871

kukdookoo

2021-11-06

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this is from which app paji?

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8070714

xuseronline

2021-11-06

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@kukdookoo As "@_One_Miller_":https://www.desidime.com/users/1...63 bhai mentioned, It is Excel Chart. I manage my total net worth in Excel. It is updated every month's 1st day. Been managing it for almost 12 years now wink

63 Comments |

26 Dimers

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8066175

LordGane

2021-11-03

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8070279

adnan_d92

2021-11-06

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What’s your age?

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067179

jainashish85

2021-11-04

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I think we should follow a template

Some thing like below

Short term debt ( includes Savings account , FD, RD, NSC, post office schemes, basically everything less than 5 years)

Long term debt ( includes PF, ppf, ssy, lic, etc

Real estate

Commodity (gold and others)

Equity direct

Equity MF ( includes NPS)

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067182

jainashish85

2021-11-04

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In my case

Short term debt – 35%
Long term debt – 20%
Real estate – 20%
Commodity – 10%
Equity direct 5%
Equity MF 10%

No loans, have employers health and life insurance.

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067190

jainashish85

2021-11-04

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Have been waiting for almost a year to convert some short term debt to equity or real estate, but couldnt get a good opportunity so still hanging on to short term debt

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067262

Budhe-Baba

2021-11-04

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Nothing, only some FD, PPF and savings account.
Lost most of it in Yes Bank collapse, other stocks colapse, Franklin loss, etc. Family lost house earlier. An agent duped us when we were planning our first international trip many years ago. Now I have accepted that I am financially a panauti.

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067287

Sudarshan61

2021-11-04

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How did you lost in Yes bank collapse, Shares or Bonds?
U just need better planning …

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067284

Sudarshan61

2021-11-04

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My case is very different from average person
Equity + Equity MFs – 34%
Debt MF – 14%
FDs – 32%
Saving/Cash – 17%
Gold/SGB/MF – 3%

Have PF/SSY as well but no idea about the amount or % ..I dont keep track of it
No loan, No real estate investment smile
Have Life Insurance + Health insurance and Life insurance from employer
I have been gradually increasing equity portfolio

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067312

kukdookoo

2021-11-04

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I have been gradually increasing equity portfolio
shouldn’t it be decreased with age?

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067333

Maverickz

2021-11-04

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It all depends on the total disposable income available with you and your priorities which have requirements of funds… Neverthless, for me the break up of my yearly savings is as under:
Equity & other related instruments – 70%
Cash and other liquid instruments – 11%
Debt related instruments (FD, PPF, Pension Funds, Bonds, Debt MF) – 14%
Gold, real estate – 4%
Insurance costs – 1% (Life Coverage 20x yearly income, Medical Coverage 2x yearly income)

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067520

kukdookoo

2021-11-04

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sirg if u dont mind then can you share name of these instruments, not asking for any financial advice

Equity & other related instruments
Cash and other liquid instruments
Debt related instruments (Debt MF)
Insurance costs – which planin life coverage?

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067576

Ots14

2021-11-04

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Kal tak 28k tha wazirx me, aaj 24k ho gya hai bas 🙂

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8068745

raman12

2021-11-05

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Arrey… aap to kafi paise wale ho blush

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067600

titamazon

2021-11-04

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asset
1300sq feet land worth 25 Lakh
ppf 4 lakh
Equity 1 lakh
saving account balance 2 Lakh

liablity
personal loan 10 lakh

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067633

Ots14

2021-11-04

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Any guy for IT(Income tax) here??
Jaldi se ye thread follow kar lo, happy diwali hone wali hai tumhre liye laughing

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067637

tappukepapa

2021-11-04

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Sabse pehle @LordGane ka number aayegaa. grimacing

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8067647

cashif

2021-11-04

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Wasted money (literally) last 10 years till 2019 by spending abnormally on gadgets (personally as well as gifted phones/tabs/laptops to all my family members). Last 2 years, have started investing but in substantial loss. Invested in crypto around 6 months back and recovering my losses. 1. Real Estate- 60% 2. Shares/Equity- 10% 3. Investment in my fathers company - 20% 3 Crypto- 5% 4. MF- 5%

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_9935478

BlueFlash

2024-03-10

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How about now ?

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8069468

xuseronline

2021-11-05

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This is how mine looks like at present: 8069468ZyPSLBs

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8069871

kukdookoo

2021-11-06

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this is from which app paji?

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8070070

bikidas2060

2021-11-06

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80% cash, 7% equity, 13% other things. 🤣🤣🤣

https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8070082

kukdookoo

2021-11-06

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7% equity aap to active marketman ho.
13% in which things paji

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https://www.desidime.com/discussions/what-is-your-financial-portfolio?page=1#post_8071682

rak007

2021-11-07

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Real Estate – 40% (Flat, fully paid)
Mutual Funds – 15% (mostly equity based)
Debt Instruments – 20%
Equity – 7%
FD – 5%
PPF – 2.5% (because started in 2019 only)
PF / VPF – 7.5% (this is based on how much I have as per EPFO website compared to my total portfolio)
LIC – 2.5%
Cash – Remainder