Himanshu Pandya

SEBI RIA No: INA000017310 , 23+ years advising Indian investors.

Himanshu Pandya is not a Foliyo employee. The thoughts and opinions shared here are their own independent views. Neither their company nor their employer has a formal business arrangement with Foliyo.

Mumbai SEBI Reg. INA000017310 LinkedIn Website

Ask Himanshu

An ace financial professional with 23 years of rich financial experience under his belt.
With a deep-rooted desire to innovate, an unmatched track record and a highly empathetic bent of mind, Himanshu is committed to replacing financial anxiety with relaxed confidence for you. When your wealth is purposed towards meaningful goals, you can begin living with intention.

Questions answered by Himanshu Pandya

Sachin Kabra (Foliyo)

Crossed Rs 1Cr with DIY investing: does one really need an advisor now, and should their wife be involved?

A software architect in Chenna have built about Rs 1.1Cr purely DIY over 12yr, reading blogs, YouTube and using AI tools. They know mutual funds quite well, probably better than…

Sachin Kabra (Foliyo)

Gold in a portfolio has nearly tripled: should they book profit, and how often should one actually be making changes?

A government officer in Lucknow with a portfolio of about Rs 90L includes gold that they bought years ago and it has nearly tripled. Every instinct says book profit now before it…

Sachin Kabra (Foliyo)

Doesn't spreading money across 12 asset classes just guarantee mediocre returns vs the Nifty?

A young client working in Bengaluru with about Rs 35L invested, nearly all in Indian equity funds. they keep reading that they should diversify into gold, international equity…

Sachin Kabra (Foliyo)

Quick self-check for a Rs 80L portfolio: how do someone if their overall setup is actually healthy?

Say a chartered accountant based in Ahmedabad has total investments about Rs 80L across mutual funds, some stocks, PPF and a bit of gold. In the 2020 COVID crash the overall…

Sachin Kabra (Foliyo)

Paying 1% trail commission through a regular-plan distributor on Rs 1Cr: is it really a big deal if the advice is the same?

A client is running a small manufacturing business in Ludhiana.. have about Rs 1Cr in regular-plan mutual funds through a distributor they have known for 10yr. The distributor is…

Sachin Kabra (Foliyo)

Half of client's Rs 1.2Cr is in direct stocks, including inherited shares and ESOPs: should they keep picking stocks myself?

A clients is 42yrs, a senior manager in Gurugram. Total portfolio is about Rs 1.2Cr. Roughly 50% is in direct stocks. That includes about Rs 25L in shares they inherited from my…

Sachin Kabra

Rs 60L spread across 5 flexi-caps and 3 small-cap funds: Is this diversified or just duplicating?

A client, 36yrs old, working in IT, and have been investing through SIPs for about 8yr. Their portfolio is now around Rs 60L. Every year they added whichever flexi-cap or…

Kiran from Pune

Should I consider real-estate investments for a better diversified portfolio?

So far I have primarily invested in MFs and Gold. Gold has done well for me but MFs have given average returns. I am thinking to also buy some land in my hometown or invest in a…

M Ganesh from Bangalore

How often should I consider rebalancing my asset allocation?

The last 2 years have gotten no returns from markets and missed the rallies in Gold and Silver. I think I should be more actively looking at my portfolio and changing asset…

Karan Kumar from Mumbai

Should I consider getting a PMS for my growth portfolio or continue with Mutual Funds?

I am 35years old from Mumbai, working in a Big-4 consulting firm. I have a portfolio of Rs 2cr primarily in Indian MFs. I was exploring different PMS and wanted to know if I…