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Balance your portfolio to avoid over-diversification
Financial experts have always advocated portfolio diversification as a risk management strategy. However, diversification helps only when done in moderation. Over diversification can do more harm than good.
What is over-diversification, and why is it harmful?
While there is no one figure to know if an investor is overly diversified, over-diversification is spreading your investments too thin, for example, investing in more than 15 sectors.
Risks of over-diversification
Lowers returns
Over diversification often lowers returns from the portfolio without reducing the risks. For a diversified and balanced portfolio, ideally, the investor should refrain from investing in too many or too few stocks or mutual funds.
Tracking gets difficult
Investing in over 50 different stocks or mutual funds can make tracking difficult, resulting in holding the stock for too long or selling it too soon. As against this, if an investor is invested in say, 3 to 5 mutual funds, tracking, and monitoring become easier.
Diversifying inefficiently
The crux of diversifying is risk management. Let us say, if a person invests in 3 different small-cap mutual funds, there is no real diversification as the investment is still in the same asset category.
How to balance your portfolio to avoid over-diversification:
Keep your portfolio at a manageable level
A simple way to avoid diversification is to maintain a portfolio that can be easily managed. Invest in more assets and products only if they offer a specific advantage relevant to your profile and objectives.
Don’t invest in stocks and sectors you do not understand
If you have invested in certain sectors that you are not convinced about, say an upcoming technology about which little is known, or industrial stocks or highly volatile segment, you avoid that investment.
Avoid overlapping investments
Understand your portfolio and sell overlapping investments. For example, if you have invested in multiple balanced funds, consolidate your investments into a single balanced fund that has worked better for you.
By overly diversifying your portfolio, you may not lose much, but you may be diluting potential returns. Diversification is essential, but only in moderation.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
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SIP CalculatorAxis Mutual Fund SIP Calculator will help you calculate the expected returns for your monthly SIP investment.
SIP Calculator (Monthly SIP Amount Known)SIP calculator helps investors estimate the potential investment returns from a Systematic Investment Plan, or SIP, in mutual funds.
Lumpsum Calculator (Target Amount Known)A lumpsum calculator is an online financial tool used to estimate returns from lumpsum investments in mutual funds and other financial instruments.
Lumpsum CalculatorA lumpsum calculator is an online financial tool used to estimate returns from lumpsum investments in mutual funds and other financial instruments.
SIP Top-Up Calculator (% SIP Top-Up)Step-up SIP calculator helps investors plan mutual fund investments strategically. Users input initial investment, increment percentage, and investment duration.
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Mutual fund investments are subject to market risks, read all scheme related documents carefully.
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Statutory Details: Axis Mutual Fund has been established as a Trust under the Indian Trusts Act, 1882, sponsored by Axis Bank Ltd. (liability restricted to Rs.1 lakh).Trustee: Axis Mutual Fund Trustee Ltd. Investment Manager: Axis Asset Management Co. Ltd. (the AMC).Risk Factors: Axis Bank Ltd. is not liable or responsible for any loss or shortfall resulting from the operation of the scheme. Past performance may or may not be sustained in future. Please consult your financial advisor before investing.