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…
- HDFC Prudence Fund
- HDFC Top 200 Fund
- Quantum Long Term Equity Fund
- Franklin Templeton Bluechip Fund
- 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:
- Your personal investing style will be different from mine
- Your risk-taking capability will be different from mine
- Your financial liabilities will be different from mine
- Your financial goals will be different from mine
- Your investment time horizon will be different from mine
- Intrinsic values of stocks I own would have changed from the time I bought them
- 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.