Early retirement at 40 not possible for Bhatia

funds and if their fund portfolio is on track. The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.Sidhesh Agarwal is saving for multiple goals. Here’s what the doctor has advised:PORTFOLIO CHECK-UP

Has been investing in equity funds for 5 yrs. Most funds doing well; should be continued. Quant funds tend to do well in rallies. Watch performance closely. Cut mid- and small-cap skew in portfolio. Large caps are stable. Equity exposure is high. Need to invest in fixed income as well.

Note from the doctor

NPS is a low-cost scheme. Consider restarting SIPs. Buy term cover of Rs.2 crore to protect goals. Review investments and rebalance at least once a year. Reduce risk when goal is near so that you don’t miss the target.

Early retirement at 40 not possible Arpit Bhatia is 27 and wants to be financially free to retire at 40. Here’s what the doctor has advised:PORTFOLIO CHECK-UP

Has been investing in equity funds for the past year. Invests only in ELSS funds to save tax. Current savings can’t build sufficient corpus. Investment must be increased to Rs.90,000 a month. If not possible, delay retirement by 7-8 years to build corpus. Review investments and rebalance at least once a year.

WRITE TO US FOR HELPIf you want your portfolio examined, write to etwealth@timesgroup.com with “Portfolio Doctor” as the subject. Mention the following information:

Names of the funds you hold. Current value of the investment. If you have SIPs running in any of them. The financial goals for which you Read more on economictimes.indiatimes.com