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My Stock Portfolio (See at Your Own Risk!)

I recently did a post on how minimalism has changed my life as an investor.

Therein, I mentioned that I own 15 stocks and 5 mutual funds in my portfolio. A couple of readers requested to see what exactly I hold in the form of these stocks and funds.

I was anyways planning to do a post around my investments, so these requests just led me to do it sooner than later.

Before I share my portfolio with you, here is what one reader commented after knowing that I will be publishing the same…

Everyone should realize that we are all different and so is our investing style. Mutual fund SIP does make a sense to copy provided certain things are common but stock portfolio should be thought out and worked on.

Thanks Mansoor for posting this comment, as it has made my life easier! This is exactly what I wanted to suggest through today’s post.

So have a look at my portfolio below, but just for the purpose of “seeing” what stocks I own.

Your personal investing style will be different from mine, and so will be your risk-taking capability, financial liabilities, and investment time horizon.

Thus, I won’t advice you to blindly go ahead and buy the stocks I own, for it can be dangerous to your personal investment returns.

Anyways, here is my stock portfolio…for your ‘entertainment purpose only’…


Note: The month of acquisition shown in the table above is the first time I acquired a specific stock. I may have acquired more units of the same stock after this first acquisition, and thus the cost price is shown as an average.

Is this a perfect portfolio?
One thing you must be wondering now is – “Wow! This is such a clean portfolio! There are no stocks in losses?”

Well, you see, I am not such a brilliant investor as this portfolio might suggest.

I had made 2-3 ‘outstanding’ mistakes in the past, by owning stocks that could have completely destroyed my capital invested in them.

But I sold all of them after I quit my job and needed money to fund the repayment of my home loan.

When I sold these losing stocks early last year, they were already down around 30-50% from my purchase price.

Thankfully, after I sold them, they’ve fallen even more (thus saving me the regret of selling them). 🙂

So, I’ve had my share of mistakes. It’s only that, by way of some timely thinking and a lot of luck, I realized those mistakes before they could’ve dented my portfolio big time.

And thus my portfolio looks clean as of now.

While I have great belief in the stocks that I own now, I’m pretty confident that I’ll be making mistakes in the future.

Anyways, one observation you might have from the above portfolio is that I don’t own any stocks from the period prior to May 2008.

Well, the reason is that during the period of 2003 to 2008, I had owned very few stocks like IDFC and Hindustan Unilever (and a few other small holdings), but had to sell all of them to fund some or the other financial commitment (like down-payment for my home, and a medical emergency).

Call it luck, but at the start of the great correction in early 2008, I had zero stocks in my account, and just a few mutual funds.

By the way, one reader had also requested me to list down the mutual funds I own currently.

Here’s that list. Note that I invest in all these funds via the SIP route…

  1. HDFC Prudence Fund
  2. HDFC Top 200 Fund
  3. Quantum Long Term Equity Fund
  4. Franklin Templeton Bluechip Fund
  5. DSP Blackrock Small & Midcap Fund

Look before your leap
While I have great faith in the stocks mentioned above, I’ll suggest you to do your independent research before taking any action with respect to them.

Here are some reasons why buying the stocks I own – without doing your own research – can be dangerous to your personal investment returns:

  1. Your personal investing style will be different from mine
  2. Your risk-taking capability will be different from mine
  3. Your financial liabilities will be different from mine
  4. Your financial goals will be different from mine
  5. Your investment time horizon will be different from mine
  6. Intrinsic values of stocks I own would have changed from the time I bought them
  7. Valuations of stocks I own would have changed from the time I bought them

So look at the above portfolio purely from your eyes, not from your mind and money.

Before you even think of buying these stocks, do your own study on them and be sure what you are getting into.

As far as my philosophy of creating and managing this portfolio is concerned, that’s a big enough discussion and thus requires a dedicated post. I will write that soon.

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About the Author

Vishal Khandelwal is the founder of Safal Niveshak. He works with small investors to help them become smart and independent in their stock market investing decisions. He is a SEBI registered Research Analyst. Connect with Vishal on Twitter.

Comments

  1. Nakul Gupta says:

    Hi Vishal,

    Majority of novice investors like me have ELSS Schemes in our portfolio as compared to diversified equity MFs as saving tax is a compelling reason enough. Whats your take on that.

    • Hi Nakul, I haven’t invested in ELSS funds for the past 3-4 years as my entire tax saving under Section 80C was taken care by EPF and home loan principal repayment. However, in earlier years, I used to invest in HDFC Taxsaver (G) Fund. I believe it is one of the better managed ELSS funds out there.

      As far as ELSS is concerned, it works like a diversified equity fund except for the 3-year lock-in. So when I need to save tax under 80C, I would be willing to invest via SIP in a well-managed ELSS.

  2. Nitin Shetty says:

    Hi Vishal, It was quite generous of you to share your portfolio with us.Saw your portfoilo, and i was stunned. I was hoping to see a lot of the Blue Chip Stocks, but there werent many.

    On a Personal note i would like to know as to why as to why ” GIL” is not in your portfolio. It met all the criterions and now is trading at a very good price.

    When is your next Stock Talk due for. Would appreciate if you could cover ” any one.BHEL/ Zydus/ Balmer Lawrie/ Opto Circuits.

    • Hi Nitin, thanks for your feedback on the post.

      As I wrote in the analysis for GIL, I would buy the stock “if” I have the cash. Unfortunately, I don’t have the required cash as of now that I can commit to the stock. 🙁

      As for your request for companies to be covered under StockTalk, I will try and do that in the subsequent issues.

  3. RichFellow says:

    What medical emergency Vishal?
    If u dont mind can u share it, even me myself too tense after discovering certain medical adversity in my wife’s medical reports yesterday.
    One thing is sure-HEALTH IS WEALTH.

    • My daughter was seriously ill (febrile seizure) and was admitted to the hospital for a few days. Since I did not had a mediclaim cover for her then (which I bought after that), I had to sell my stocks to fund the expenses.

  4. First of all, thanks for sharing your portfolio Vishal, it’s a big deal. Thanks for the pat on my back :-). This is indeed a clean portfolio, hard to see one with no negatives. I have observed some similarities in all the stocks you own, which is also what your value investing course preach.
    You have fundamentally sound companies, stocks with least to zero debt, stocks with good future prospects, beaten down by Mr.Market (was available at a greater Margin of Safety) than usual, not many of the over hyped heavy weight blue chips. Although I am a little surprised to see Bharti and Unilever, that’s again a personal choice. Telecom sector is not in my circle of competence and Unilever has had a flat market for quite few years.
    What I need to learn from you is when to sell, few stocks if not all. Like you had done in the 2008 peak when I was holding on to some stocks that hurt me very bad.
    And your mutual fund selection is also good, you have couple of Large Cap and couple of Diversified fund, one mid and small cap. Also, your investment is diversified across fund houses. Though I prefer IDFC Premier Equity and SBI Emerging Business on the small and midcap category. HDFC Top200 has been my all time favorite fund because I like Prashant Jain’s investing style that has kept this fund perform very well.
    Also, when you wrote you did not had cash to stay invested, do you put cash as a percentage of your portfolio (also balance the portfolio) or do you have a limit or do you just invest whatever you can invest?

    • Hi Mansoor, thanks for your feedback! As for your last point, I save a set amount of money every month, part of which goes towards my SIP payments and a portion remains in the bank till I make an ad-hoc (non-SIP) investment. Sometimes it happens that I continue to accumulate this ad-hoc part and then when I strike upon a good investment idea, I put this entire savings on it.

      In other words, my savings are directed to 2 channels – 1. Specified SIPs, and 2. New investment ideas that can come anytime.

  5. Dear Vishal..

    That’s really generous of you to share the portfolio here. Learned a lot from it.. I have been staying away from stocks basically as am novice when coming to stock selection… so I go toe MF via SIP route.
    I am diversified in MF and have around 8 Funds. 4 HDFC, 2 SBI, 1 Quantam and 1 Franklin.
    Thanks for your ever knowledgeable posts.. will plan stock investing soon too. !

  6. vikrant says:

    Your mutual fund picks looks very good, let me show that to the readers (through this link). I recently read a post on Jago Investor on India’s best mutual fund house…and this is the link and it clearly shows that the companies that you have selected are the ones that have beaten Benchmark.

  7. Well balanced portfolio. I think the data will become much more meaningful if you could add the weightages of each stock in the portfolio.

    • Prabhakar, that would not add much value I believe. The weightages keep on changing all the time, so I would not like to accidentally mislead someone who misses the point that the weightages are for a particular date.

  8. It would be interesting to see how your portfolio has changed (or remained constant) now that its more than 18 months since you posted this info.
    btw, I hope you dont mind my post where I have suggested your blog for folks beginning on this value investing journey in Indian markets

  9. Jai Shankar says:

    What is your average return per year ?

  10. Hi Vishal,

    I’m a great fan your blog since 2013 and I missed your early post.
    I’ve read all of your previous post during my free time.
    Your blog helps a novice to act wisely.

    Would be better if you share some details and debt portion of your portfolio.

    Regards
    Fasil

  11. Hi VK,
    Asset Allocation (as per KIM documents):
    HDFC Prudence: Equity & Equity related instruments 40 – 75%
    FRANKLIN INDIA BLUECHIP FUND: Equities Above 60%

    As the funds are not invested in equities (more than 65%) at all the times, the above funds become non-equity funds thus loosing tax advantage.

    Even if a fund invests more than 65%, an investor can’t prove it for what duration did the MF invested in equity (65%+) to qualify as an equity fund. Taxman will rely on KIM documents. Investor should check asset allocation (especially for Balanced Funds) as per KIM documents before investing.

    Any correspondence with MF in this regards ends in an advise to read the KIM documents & consult a tax advisor.

    BSL 95 is another good fund which is hit by this issue.

    What is your take on the matter ?

  12. Vishal – What is your Latest stock portfolio, bit hesitant but thought to ask ? I am also holding City Union bank and to be candid rewarded also as had been holding from sometime. Do you think still we can hold it ? Now shall we shit to Yes bank also despite dispute over directors over choosing Director. City Union banks growth in all parameters are quite consistent.

  13. Sidharth says:

    Hi Vishal,

    I am ardent follower of your work and I admire the effort that you have put in for everyone. Thanks for that.

    I want to understand what is best way to populate the excel sheet that you have shared for stock analysis. To be more specific, I am asking about data banks which may be paid or unpaid?

    Thanks,

Trackbacks

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