Sachin Kabra

ex-Director HDFC Private Wealth, Business Head Motilal Oswal AMC

Mumbai LinkedIn

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Questions answered by Sachin Kabra

Manpreet from Chandigarh

If two SIFs are in the same category, why can their returns be completely different?

I saw one SIF deliver more than 15% while another lost more than 5% over roughly the same period. If both are called SIFs, why is there such a large difference?

Tushar from Bangalore

Are SIFs actually better than mutual funds, or are they just a new product category?

SIFs seem to offer more flexibility, long-short strategies and more complex portfolio construction. Does that automatically make them better than regular mutual funds?

Mohita from Varanashi

If equity has the highest long-term return, why should I hold debt or gold at all?

If I have a 15–20 year investment horizon, wouldn’t I be better off putting everything into equity? What is the point of holding lower-return assets like debt or gold?

Ritik from Mumbai

Won’t diversification reduce my returns compared with just holding 100% equity?

If debt, gold and international equity can underperform Indian equity for years, doesn’t adding them just reduce my overall returns? What am I actually getting in exchange?

Sumit from Pune

I need money in 3 years. Should any of that money be in equity?

I have a financial goal about three years away, but I don’t want the money sitting in a low-return investment. Should I invest some of it in equity and hope for better returns?

Raj from Noida

Does international equity really make sense for an Indian investor?

Most of my income, house and investments are already in India. Is there actually a reason to hold international equity even if Indian markets could outperform global markets?

Sneha from Kochi

How often should I rebalance my portfolio?

If my target allocation changes because equity rallies or crashes, when should I actually rebalance? Should I do it every year or only when allocations move significantly?

Vishal from Hyderabad

Is dynamic asset allocation better than keeping a fixed equity-debt allocation?

Should I maintain a fixed equity-debt ratio and rebalance it myself, or use a dynamic strategy that increases and reduces equity depending on market valuations?

Ashish from Bangalore

How do I figure out my actual asset allocation when I have mutual funds, stocks, FDs, EPF and a house?

My investments are spread across several accounts and products, so I don’t really know my equity-debt allocation. Should I calculate allocation fund-by-fund or look at everything m…