I REVEALED My ₹10 Crore Mutual Fund Portfolio | FWS Clips

🎞️ This Is A Clip From Finance With Sharan 📺 Watch The Full Episode Here →    • Inside My ₹10Cr Mutual Fund Portfolio: How...   • • • Featuring – Sharan Hegde In this clip, Sharan Hegde gives a detailed walkthrough of how he audits and manages his own nearly ₹10 crore mutual fund portfolio using the 1% Club app. He starts by explaining why comparing your returns with your friends is meaningless. Your investment timing, SIP frequency, amount invested and periods of stopping and starting can all change your final returns. Instead, Sharan shows how to compare your XIRR against a relevant market benchmark to understand whether your portfolio is actually performing well. Sharan then opens up his own portfolio and breaks down its performance, allocation and concentration across large cap, mid cap and small cap funds. He also reveals a major overlap in his portfolio, where two large cap funds have around 60% overlap—highlighting how owning multiple funds doesn't necessarily mean you are diversified. The walkthrough then moves to portfolio costs. Sharan explains why even direct mutual funds aren't completely free, revealing that his nearly ₹10 crore portfolio costs him around ₹6.76 lakh every year through expense ratios. He also compares this with what the same portfolio could have cost in regular mutual funds. Sharan then explains tax loss harvesting and tax profit harvesting, including how investors can potentially use unrealized losses to reduce future tax liability and take advantage of the ₹1.25 lakh annual exemption on equity gains. He also shows how the app can identify these opportunities and how the AI CFO can provide specific recommendations based on an investor's portfolio. Finally, Sharan explains how The 1% Club ranks more than 4,000 mutual funds using its research methodology, including rolling returns and the Sortino ratio. He also discusses why most investors don't need 20 mutual funds and introduces the app's model portfolios, or "baskets", designed around different financial goals and investment horizons. This is a practical framework for auditing your mutual fund portfolio, understanding your true investment costs, identifying diversification mistakes, and evaluating funds based on risk-adjusted performance. Past performance is not indicative of future returns. This video is for educational purposes and is not investment advice. 🎧 Watch the full episode now on Finance With Sharan. • • • About Sharan Hegde Sharan Hegde is a personal finance creator and the founder of The 1% Club, simplifying money, markets, and mindset for India's next generation of wealth builders. Follow Sharan for more: 📸 Instagram:   / financewithsharan   💼 LinkedIn:   / sharanhegde95   🐦 Twitter/X: https://x.com/financewsharan • • • About The 1% Club The 1% Club is a personal finance and wealth management platform helping Indians make better financial decisions through education, investing tools and personalised financial insights. Follow The 1% Club: 📸 Instagram:   / onepercentclub   💼 LinkedIn:   / the-1-clubfws   • • • #FinanceWithSharan #SharanHegde #1PercentClub #MutualFunds #MutualFundInvesting #PersonalFinance #Investing #PortfolioManagement #TaxHarvesting #TaxLossHarvesting #WealthCreation #FinancialPlanning #StockMarket #InvestmentTips