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My portfolio revealed! | How to build a PERSONALISED portfolio - YouTube
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actually i do not give much importance
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to this roc and roc and lrv and all
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across your investments yeah you've
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never bought a stock
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yeah based on these i never bought any
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stock it should be reasonable you cannot
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get a small company you cannot get roc
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or your 20 or 25 then stock would also
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be expensive so if you understood mr
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vijay kadia's viewpoint you will get
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very scared that on one hand we have mr
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sauron mukherjee who keeps on saying
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that invest in high roc company and here
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is mr vijay kedia who says that i don't
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even look at roc roe and all these
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different measures before making any
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investments
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the point about this short anecdote is
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fairly simple that every investor in the
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stock market is unique you will start
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out with your own set of goals own set
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of risk appetite and accordingly you
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need a personalized investment plan so
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on today's video i will present my
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personalized investment plan for you as
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to how i make investments that are right
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for me i will explain you the asset
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classes across which i have made
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investment how much and why have i made
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all those investments i will not give
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you the real number of my portfolio size
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because that is besides the point but it
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is always a fun exercise for me to guess
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how much you think my portfolio size is
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so comment below and let me know how big
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my portfolio size is but for context do
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assume that my portfolio size is big
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therefore i have invested across a range
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of different assets in different types
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of instruments so with that said let us
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get the video started and so first and
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foremost let me give you an overview of
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my portfolio so my portfolio percentage
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is that if i have 100 rupees then 75 of
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that is invested in stocks across india
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and the us that is where majority of my
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stockholding is i have invested in some
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hedge funds also that give me global
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exposure through these hedge funds i am
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not managing my own money that the hedge
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fund managers manages my money but they
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are taking position mostly in stocks so
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all in all i would have 75 in
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stockholdings 12 to 15 right now is in
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crypto i do these investments directly
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and my goal is to take up my crypto
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portfolio up to 20 why is that i'll
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explain that subsequently on the video
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third and finally rest 13 to 15 of my
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investment is divided into real estate
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and in startup investing so i'm an angel
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investor i invest across a range of
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different companies so this is what my
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overall portfolio looks like but very
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important for context you need to
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understand what type of an investor i am
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so first and foremost i am a growth
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oriented investor why is that because i
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am on the younger side hopefully i still
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have a lot of time so therefore i can
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afford to take little bit of risk in my
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portfolio so my portfolio is slightly
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aggressive so this is point number one
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point number two i am a diversified
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macro investor and mr ray dalio has had
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a lot of impact on me i have grown up
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reading a lot of his commentary and
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macro style of investing works best for
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me now why macro style of investing and
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what exactly is macro style of investing
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so essentially i am mostly a mid to long
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term investor i identify good businesses
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because that is one of my niche i have
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been a management consultant where i
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used to analyze businesses i am an
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entrepreneur i invest most of my active
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time in terms of running my active
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businesses so i understand how
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businesses are cultivated so therefore i
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feel easy in terms of figuring out what
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the business mode is and therefore i do
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mid to long term investing taking a look
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at the macros of the company macros of
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the world macros of market cycle so that
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is how i structure my investments one
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primary reason why i'm doing this type
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of macro investing is that i don't want
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to be glued to my screen i want to get
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up whenever i feel like and if i become
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a trader or if i am dependent on the
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stock market to make money all the time
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then i will be glued to my screen day in
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and day out and that is not a very
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healthy lifestyle that i would like to
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pick so therefore my investing style in
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the stock market is that invest very
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little time in terms of making
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investments in the stock market do your
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research do your businesses run
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different different things and whatever
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money i'm making i will put it from a
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long term perspective in the stock
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market i don't want my job to become a
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full-time market person so i have made
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investments across five asset classes
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and let me speak about all these asset
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classes one by one if you get an
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understanding of why i have made these
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investments then probably it would make
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sense for you to pick some of these
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points and incorporate it into your own
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portfolio so let us start having that
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discussion the first major asset class
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for me is stocks of course because that
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is where majority of my money is
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and in stocks if i have invested 100
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rupees in stock then 75 to 80 rupees
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will be invested in the indian market
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and rest 20 to 25 rupees will be
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invested in the u.s stock market now
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what type of companies do i purchase in
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india versus the us let me give a very
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quick commentary there so within india
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my bet is that indian economy will grow
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i am very bullish about the indian
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economy i have said it time and again
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yes there will be phases when indian
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economy is not doing well but that does
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not change my perspective about the
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indian ecosystem it is growing really
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well the business environment in india
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is positive yes there are a lot of
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shortcomings but net net i'm very
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bullish about india so if i'm bullish
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about india and if i'm queued into the
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economy then i will bet a lot of my
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money in the finance sector that is
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where i have taken 50 percent of my
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positions within the indian stock so
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this would comprise of banking stocks
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emc stocks insurance stocks so these are
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the type of finance companies that i
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would purchase my favorite companies
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within the finance domain are something
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like bajaj finance something like htfc
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bank these stocks i have in large amount
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but the key rule that i follow is that i
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never allocate more than five percent of
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my money on one single asset ever no
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matter how much trust i have on that
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asset i will never violate that five
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percent rule that i have set for myself
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the second categories of stocks that i
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purchase within india is the fmcg sector
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and this is a defense sector for me so
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defense sector simply means that this is
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like a hedge for me yes of course when
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you are investing in the equity market
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for example i am talking about stocks
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which is equity market inherently there
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is a lot of risk in terms of investing
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in equity but again because i am a
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growth investor i am taking positions in
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the equity market and i am not bothered
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too much about the bond market you will
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say that akshat in the past you have
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spoken about investing in bonds but i
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did not make those investments for me i
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made it for my parents so there is a
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huge difference in creating a finance
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plan for me vis-a-vis my parents so
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please understand that key difference so
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in order to hedge my portfolio i have
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purchased fmcg stocks this would come
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price of companies like hul nestle and
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bunch of other cash flow-based
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businesses or fmcg stocks my final
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purchases could be lumped into rest here
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important point to note is that i have
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zero positions in tech in india right
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now all my tech positions are in the us
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and in the us i only do tech investing
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that is it i do not purchase any cash
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flow based businesses like walmart
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mcdonald's etc in the us
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why because i am already purchasing a
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lot of fmcg slash defensive stocks in
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the indian market so i am not bothered
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too much about investing in similar set
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of stocks in the us market when i am
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going to the u.s market my goal is to
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identify the next big thing so therefore
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i buy risky stocks for example something
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like uipath many of you have started
[424]
fretting that akshat ui path has lost a
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lot of value okay uipath has lost a lot
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of value but these are all story based
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talk i have been saying it over and over
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and over again that if you go and invest
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in 10 story based stocks and even if
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three of them survive those three will
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give you massive returns and then offset
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for the loss that you are making in
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seven companies think about it this way
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that when you are investing in tech you
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don't need to find three amazons even if
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one of the companies that you have
[452]
picked becomes the next amazon it will
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more than offset the losses that you are
[456]
making from the other nine that is the
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philosophy with which you should be
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investing in emerging texts but if you
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are of the view that hey i cannot see
[463]
any volatility in my portfolio
[464]
especially around emerging techs then
[466]
these companies are not for you you
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should not be investing in something
[469]
like ui path etc think about it again
[471]
from this perspective amazon at one
[473]
point lost 90 percent of its value and
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today it has become one of the biggest
[477]
businesses on the planet so that is the
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goal with which i am going to the u.s
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market and i am okay taking that
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exposure taking that risk so i hope this
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point is clear let's move on to the
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second asset class okay so regarding
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cryptos there are two important points
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that i would like to outline first and
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foremost is that i feel that the risk
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reward equations on cryptos are very
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favorable i'll explain it in very easy
[497]
to understand language so imagine this
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that if you invest hundred rupees on
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cryptos right now what is the maximum
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loss that you can take it will go to
[505]
zero that's the maximum loss but if the
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crypto market survives for the next 10
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years this hundred rupees will become
[510]
thousand rupees that is the philosophy
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and that is the risk reward equation
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with which i am approaching the crypto
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market a lot of people start creating
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you know what you're giving like bad
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advice crypto has no fundamental value
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this that okay if you want to continue
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to believe that cryptos have no
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fundamental value and still they can
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survive for 14 15 years then i don't
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have a good answer there i've already
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given a lot of explanation about it and
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every investor have their own
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perspective on investment and i have
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mine so i am not trying to push you in a
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certain direction i am genuinely telling
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whatever i am doing in the market so
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this is the first key point second is
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that i genuinely feel that that every
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generation gets an opportunity to invest
[548]
and make crazy money from an asset class
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for example during our grandparents time
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that was the real estate market that if
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your grandparents had purchased some
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property in any part of india that
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property would have given you crazy
[561]
returns now similarly our parents after
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the 92 scam that happened in indian
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stock market if they would have invested
[568]
in the stock market then net net that
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generation would be sitting on a lot of
[571]
profit in the stock markets similarly i
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fee that our generation has the
[576]
opportunity to make very good returns in
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the crypto market is it risky yes was
[580]
real estate risky back in the 60s 100
[583]
yes was stock market really risky 90 to
[586]
93 time when such scams broke out 100
[588]
percent yes so anything which is going
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to give you very high returns is also
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going to have element of risk so what is
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my philosophy as a crypto investor that
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i am betting on the entire crypto market
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to survive for the next 10 12 years
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whatever investments i am making they
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will become 10x so i'm only purchasing
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blue chip cryptos that is where majority
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of my crypto money is tied into i am not
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looking for the next doj coin or shiba
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inu coin etc yes i do speculation for
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fun i do invest money in some
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speculative coins in the dexes or ido
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spaces in case you don't understand it
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that's completely fine you can consider
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taking positions in some blue chip
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cryptos in case you feel like so
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currently my portfolio is 12 to 15 and
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over time i will pull it up to 20 and
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that is where i will stop so this is
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what my philosophy of crypto investing
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is so the third asset class in which i
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have invested is the real estate now in
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real estate i only purchase commercial
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properties i do not purchase housing
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properties why i have made several
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videos in the past and you can watch
[647]
that to get a better understanding but
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there are a few specific reasons first
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and foremost i feel that if you have
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purchased a commercial property at a
[654]
good location it's very easy to rent out
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and that utilization rate that is the
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extent of time your commercial property
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is rented out so let's say out of 12
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month a year it is rented out almost all
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the time so that leads to stable cash
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flows but that is not true for a house
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because if your house gets vacated it
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might get very difficult to rent out i
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am presenting a general case please do
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not take it personally my philosophy of
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investing in commercial properties is
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that i invest in tier 2 tier 3 cities
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and i end up purchasing prying
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commercial properties why again because
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of cash flow and this doomsday scenario
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so doomsday scenario means that is
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everything goes haywire so the word of
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the day today is haywire let me know
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what does that mean so if everything
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goes bonkers or haywire i will at least
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be able to sit on a shop and earn my
[699]
livelihoods so that is one of the
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reasons why i have purchased commercial
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properties now should you also purchase
[704]
commercial properties it really depends
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i generally advise people that if you're
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looking to purchase commercial
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properties do try to buy it outright you
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will only be able to buy it outright if
[713]
you have a big portfolio to begin with
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if your portfolio is not big then first
[718]
create a big portfolio and then start
[719]
taking positions in commercial real
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estate and real estate to begin with
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otherwise real estate is not a growth
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investment per se it's mostly a hedge
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it's mostly a cash flow driven thing so
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that is the viewpoint that i will
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present on commercial properties now my
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favorite investment is businesses this
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is what my career is that i am an
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entrepreneur i build businesses i have
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been building businesses since the time
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i was 20 years old so that is what i am
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passionate about this is what i like to
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do if you want to watch a video about my
[747]
17 income streams you can go watch it
[749]
here it will give you more insights
[750]
about the type of businesses i have
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built but there is a core philosophy
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that i have followed in terms of
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building businesses and that philosophy
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is called as value-added approach it
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simply means that in order to create any
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good business you have to create value
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so let's say that you create a value of
[766]
100 rupees
[767]
and from that you need to capture value
[769]
so capturing value means that you have
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created 100 rupees and you go and
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capture like 30 rupees of value from it
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so let me explain this point by taking
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you some of the businesses that have
[778]
started for example one of the
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management consulting oriented business
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that i started it offered management
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consulting prep at roughly 1000 rupees
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per month
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now this was an excellent idea simply
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because of the point of view that if you
[792]
go and look for any management
[793]
consulting oriented prep material it
[796]
cost at least 350 dollars per month so
[799]
we were able to come up with a model
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which helped a lot of students also we
[803]
were able to create a lot of value also
[804]
and we were able to capture a lot of
[806]
value same is the philosophy that i
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incorporate in terms of live courses for
[810]
example you might have seen that i run a
[811]
stock investing live course i have
[813]
deliberately made it live why because if
[815]
you actually go and study the back end
[817]
you will realize that people do not
[819]
complete their recorded courses the
[821]
completion rate of recorded course is
[824]
less than 10 percent that is how bad it
[826]
is therefore i run only live courses it
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requires a lot of effort but that is me
[831]
trying to add a lot of value and i try
[833]
to keep the price point as low as
[835]
possible for a live course so please
[837]
judge it from that particular
[838]
perspective it is not about just
[840]
launching courses at a very basic price
[842]
point it is also about the value that
[844]
you get out of it and people have really
[845]
liked it and therefore all my batches
[847]
get full very very quickly even without
[849]
running one single advertisement now i
[851]
have done the same in the study abroad
[852]
space also so the new products that i am
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launching which will be launched
[856]
subsequently in the next few months you
[858]
will see that even in the study abroad
[860]
space consultants charge five lakh six
[862]
track rupees for helping you apply to
[864]
one school i am building products that
[866]
will bring down the price point
[868]
dramatically and it will add up a lot of
[869]
value that is the simple value-added
[871]
approach that i take in terms of running
[873]
my businesses and i really enjoy
[875]
building businesses that is truly adding
[877]
value so should you also do it and what
[879]
is the best mechanics i will probably
[880]
shoot another video if there is enough
[882]
interest but to cut the long story short
[884]
yes building a business it requires a
[886]
lot of effort it requires a lot of hard
[888]
work it requires a lot of blood sweat
[890]
and tears and knowledge so you must
[891]
start upskilling yourself that is the
[893]
first step and then when you get an idea
[895]
try to jump into executing to the best
[897]
of your abilities now comes my fifth and
[900]
final investment which is angel
[901]
investing so over the last one year i
[903]
have invested in across 10 different
[905]
companies i really love to support
[907]
entrepreneurs it is also an opportunity
[909]
for me to learn about the innovation
[911]
that is happening in these space because
[913]
entrepreneurs are trying to build
[914]
innovative disruptive companies so i
[916]
study this space closely it enhances my
[918]
skill set also now the perspective that
[920]
i have is that whenever i'm investing in
[922]
startups as an angel investor i know for
[925]
a fact that out of 10 investments that i
[927]
make i'll be very lucky to get returns
[929]
on even one but i still do it
[931]
predominantly from learning perspective
[933]
why am i highlighting this because many
[935]
a times many of you ask me question that
[936]
you should we as retail investors also
[939]
try to invest in early stage companies
[942]
it's a highly risky game please only
[944]
invest money that you're okay losing
[945]
because here we have to play that vc
[947]
volume game you need to go and invest
[950]
your money across let's say 100
[951]
companies and then maybe two or three
[953]
companies will give you good exits so
[955]
that is the perspective with which you
[957]
should be investing you should also
[959]
understand the type of business ideas
[961]
that you are okay investing in for
[962]
example my niche is education and
[964]
finance these are majority of the
[966]
companies across which i have invested
[968]
as an angel investor so similarly you
[970]
need to figure out your niche and
[972]
whenever you are investing in these
[974]
early age companies go by what you
[976]
understand so in summary you must figure
[978]
out your own plan important thing is
[980]
that you must discover your investing
[982]
style if you want to be a growth
[984]
investor if you want to be diversified
[986]
versus concentrated you must study all
[988]
these aspects and then take positions
[990]
accordingly i hope you enjoyed the video
[992]
please press the like button and i will
[993]
see you tomorrow
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