Introduction:
Below table provides an overview of the performance of a diversified investment portfolio, including systematic investment plan (SIP) contributions and lump-sum investments made during the period from April 1, 2022, to October 2023. The portfolio comprises various mutual funds, an index fund (NIFTY), and a bank savings account, reflecting positive returns on all investments.
Systematic Investment Plan (SIP) Performance:
Here’s a breakdown of the SIP investments, along with their respective portfolio values as of the present date:
MMF1
Investment Amount: Rs. 230,000.00
Portfolio Amount: Rs. 269,433.52
Start Date: April 1, 2022
MMF2
Investment Amount: Rs. 230,000.00
Portfolio Amount: Rs. 265,180.15
Start Date: April 1, 2022
MMF3
Investment Amount: Rs. 230,000.00
Portfolio Amount: Rs. 262,935.67
Start Date: April 1, 2022
MMF4
Investment Amount: Rs. 30,000.00
Portfolio Amount: Rs. 31,481.95
Start Date: August 1, 2023
Combination Mutual Fund (MF) Portfolios:
Additionally, the table presents three distinct combination mutual fund portfolios and their corresponding portfolio values:
Aggressive Mutual Fund (Aggressive MF)
Investment Amount: Rs. 230,000.00
Portfolio Amount: Rs. 263,203.76
Start Date: April 1, 2022
Moderate Mutual Fund (Moderate MF)
Investment Amount: Rs. 230,000.00
Portfolio Amount: Rs. 266,757.97
Start Date: April 1, 2022
Conservative Mutual Fund (Conservative MF)
Investment Amount: Rs. 230,000.00
Portfolio Amount: Rs. 266,371.94
Start Date: April 1, 2022
Index Fund Performance:
The NIFTY index fund’s performance is as follows:
Investment Amount: Rs. 230,000.00
Portfolio Amount: Rs. 266,298.27
Start Date: April 1, 2022
Additional Investment:
Two lump-sum investments were made during this period:
June 13, 2022
March 20, 2023
Bank Savings Account:
For comparison purpose, similar amount was checked considering best % interest rates in savings account with a 7.25% interest rate:
Investment Amount: Rs. 230,000.00
Portfolio Amount: Rs. 243,285.93
Start Date: April 1, 2022
Performance Overview:
All investments in mutual funds, the index fund (NIFTY), and the bank savings account have yielded positive returns, with the Aggressive MF showing the highest returns among the mutual fund portfolios. Notably, MMF1 has outperformed the NIFTY index, demonstrating the effectiveness of active fund management.
Conclusion:
This portfolio performance report showcases the positive results of investments made through SIP contributions and lump-sum investments during the specified period. It underscores the potential for wealth accumulation and growth through disciplined investment strategies across a diversified portfolio.