Your portfolio performance drivers (in order of importance)
1. Asset allocation
2. Fund selection
3. Direct funds
Bharosa advice on the average saves over 5%. Check your portfolio.
Bharosa, Scripbox Comparison
We compared with Scripbox because they publish their picks. We have used their picks for 2017 and 2018 for doing the comparison.
Hypothetical investor who invested Rs 10000 a month for 21 months from January 2017 to September 2018 and sold on Oct 1, 2018. Wealth created by the equity picks.
Bharosa WealthSimple-TM : Rs 34422 (Gain), XIRR - 17.58%
Scripbox Model Portfolio : Rs 13735 (Gain), XIRR - 7.08%
Bharosa Model Portfolio : Rs 8950 (Gain), XIRR - 4.63%