{"id":10164,"date":"2020-06-18T06:02:35","date_gmt":"2020-06-18T06:02:35","guid":{"rendered":"\/blog\/?p=10164"},"modified":"2020-08-29T06:40:26","modified_gmt":"2020-08-29T06:40:26","slug":"post-pandemic-portfolio-management-what-now","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/wealth-services\/post-pandemic-portfolio-management-what-now\/","title":{"rendered":"Post-pandemic portfolio management: What now?"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

The\nCOVID-19 pandemic has created a sense of uncertainty and fear everywhere.\nNations, people and economies are going through time times. Though economies\nhave suffered bruises from other pandemics, no other pandemic in modern history\nhas managed to leave a deeper scar on lives and economies than COVID-19.<\/p>\n\n\n\n

COVID-19\nalso had a major impact on individual investment and portfolio management.\nPeople are selling in panic and most investors have now become risk averse. If\nyour portfolio included a 50:50 balance of equity and fixed income assets\nbefore the coronavirus scare, post-pandemic it is certainly going to be 60-70%\nfixed income and 30-40% equity.<\/strong><\/p>\n\n\n\n

Additional Read – <\/strong>Impact of Coronavirus on Global Stock Exchange Indices<\/a><\/p>\n\n\n\n

Like\nall pandemics, this too shall pass, but it will certainly impact your portfolio\nfor a long time to come. The world will change in many ways post-COVID-19;\ntherefore you need to realign your investment portfolio to the changing\nreality. Here\u2019s how.<\/p>\n\n\n\n

Revisit your asset allocation<\/strong><\/p>\n\n\n\n

As\nmentioned above, due to the coronavirus impact many investors have become risk\naverse and their portfolio is skewed more towards fixed income instruments.\nEven those who were faithful with their mutual fund investment are having second thoughts.<\/p>\n\n\n\n

Post-pandemic,\nyou should ensure that your investments are divided into three major asset\ngroups with safety, income and growth in mind. You should invest in debt instruments and\nminimize your exposure in equities during this turmoil, but make sure that you\nare not sacrificing long-term returns at the cost of safety.<\/p>\n\n\n\n

Revisit\nyour portfolio after 3 months and speak to your advisor to discuss if you\nshould increase equity exposure so that your portfolio is in sync with your\ninvestment goals, time horizon and risk profile. Remember to continue with your\nmutual fund investment\nand take advantage of rupee cost averaging to acquire more mutual fund units\nwhen NAVs are low at this time.<\/p>\n\n\n\n

Additional Read – <\/strong>Investing Advice by Experts for Investment in Post Pandemic World<\/a><\/p>\n\n\n\n

Review your risk profile<\/strong><\/p>\n\n\n\n

COVID-19\nhad a massive impact on the net-worth of many individuals. Whether you are\nrunning a business or a salaried person, the pandemic may have affected your\nnet worth. It may have eroded your investments or your source of income may\nhave dried, even though temporarily. Thus, it is important that you review your\nrisk profile after life returns to normal because it will significantly impact\nyour investment decisions.<\/p>\n\n\n\n

Market\nValue Erosion Highest in India (April 2020)<\/strong><\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

Source: BusinessToday.in<\/p>\n\n\n\n

Ensure proper diversification<\/strong><\/p>\n\n\n\n

You\nmay be reallocating your portfolio for risk mitigation during and after the\npandemic. However, it makes no sense if you have just one type of stock and a\nsingle type of bond in your portfolio. Diversification is not only about\ninvesting in different asset classes but different types of securities in each\nasset class.<\/p>\n\n\n\n

For\nexample, when you invest\nin debt instruments, make sure you are including different types of\ninstruments such as debt mutual funds, bonds, and corporate FDs of varying\nmaturity and good credit quality. While investing in equity, diversify your\ninvestments in different types of instruments which have diversified exposure\nto various market caps and sectors. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Be extremely cautious with\nequity selection<\/strong><\/p>\n\n\n\n

Your\nsafest bet during this time is to leave the work of selecting stocks to your\nportfolio manager, investment advisor or wealth manager. If you are experienced\nenough to select stocks on your own, focus on FMCG, pharma, logistics and\ntelecommunication companies with strong fundamentals. Zero down on companies\nwith low debt, good cash flow and steady dividend payments.<\/p>\n\n\n\n

However,\nbe positive with your equity investment because the market will make a rebound\nin the near future as it has always done in the past.<\/p>\n\n\n\n

Continue your SIP and invest in bonds<\/strong><\/p>\n\n\n\n

Remember\nto continue with your mutual\nfund investment through the SIP route. This is the right time to take\nadvantage of rupee cost averaging and acquire more mutual fund units as NAVs\nare low. Don\u2019t panic and stop your SIPs now. This is also the right time to invest in bonds with high\nliquidity. If you purchase\nbonds now, it will help you tide over the market uncertainty and\nvolatility that we will witness post the pandemic. <\/p>\n\n\n\n

You\ncan also take a look at the Sovereign Gold Bond Scheme launched by the RBI in\nApril, 2020 and add gold to your investment portfolio. Finally, as any good\nwealth advisor will recommend, never invest or sell because of fear, greed or\nwithout knowledge even when you see a financial bloodbath all around.<\/p>\n\n\n\n

If\nyou are not sure how to navigate the choppy water in these tough times, let Tata Capital Wealth<\/a> help you with bespoke wealth management and investment\nsolutions. With Tata\nCapital Wealth, you can take advantage of holistic and hand-picked\ninvestment opportunities, selected according to your investment goal, horizon\nand risk profile.<\/p>\n","protected":false},"excerpt":{"rendered":"

The COVID-19 pandemic has created a sense of uncertainty and fear everywhere. Nations, people and economies are going through time times. <\/p>\n

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