Hi friends - Angel One ke is podcast mein aapka swagat hai.
Doston new years par sabhi log new beginnings ke liye excited hote hain. New year ki occasion pe kai log naye resolutions form karte hain, lekin is process mein sirf kuch hi log ye enthusiasm apne portfolios tak extend karte hain. In fact, jis time par log apne-aap mein naye habits dekhne ke liye aur apne past dreams ke success ke liye plan karte hain, wahan par apne financial portfolio par dhyan dena bhi utna hi essential hai.
Agar aap ye wonder kar rahe ho ki new year ki occasion par aapko ek naya portfolio build karne ki kya zaroorat hai, toh we will come to that very shortly. Lekin uske pehle, is saal yani ki 2020 ko ekbar quick flashback mein visualize karke dekhen, and see what stands out - 2020 mein kai saare significant events dekhne ko mile - first of all, the COVID pandemic hit, markets mein disruption dekhne ko mila, aur saath hi stock market mein naye gainers aur losers. Ho sakta hai ki aapke portfolio ne satisfactory performance dikhai ho - and maybe you are thinking ki new year party plan karte hue apne portfolio ko review aur revise karne mein kya faayda. Lekin aapko ek aur factor par dhyan dena chahiye - stock markets mein naye benchmarks set hue the, saathi hi stability ki ek nayi definition dekhne ko mili - iske alawa stock market ki ek strong recovery aur comeback - were some of the major things that happened.
Aisi situation mein apne financial portfolio ko review kar lena ek achche investor ke liye common practice hoti hai. Portfolio revision se aap apne funds ke performance aur risk exposure ko better pinpoint kar sakte ho - kyunki ab aap apne portfolio ke performance ko long run ke liye analyse kar sakte ho. Sounds exciting, haina friends? I bet it is. Lekin isse bhi zyada exciting hoga portfolio realignment yani aane wale time mein apne portfolio se aapki expectations, aapke evolving life goals ke liye naye plans, aur accordingly ek naye portfolio ka creation.
Kya aap apne retirement ke kareeb pahunch rahe hain? Ya aap apna very first house aur new car purchase karne ka plan kar bana rahe ho? Har saal ke guzarte hue aap apne milestones ke kareeb pahunchte ho. Kya aapka portfolio in goals ko reality mein badalne ke liye best aligned hai? Agar nahi, toh ye ek excellent reason hai apna portfolio is new year par revise aur rebuild karne ke liye - aur ye excercise aapne jitne lambe samay se avoid ki ho, aapke liye utni hi important aur urgent hai.
Toh friends, without making you wait further, aane waale naye saal yani 2021 ke liye ek naya portfolio ko build karne ke liye kuch factors dicuss karte hain:
1.Sabse pehle, apne goals par focus karen - kya aap apne predefined life goals ke kareeb pahunch rahe ho? Kya aap 2021 tak ek emergency fund build karne ka pan kar rahe the? Ya ek nayi city mein move karne, ya koi vehicle purchase karne ke liye? Now that the year has passed, many things might not have gone the way you wanted them to. Review karen ki kya realistically possible hai, aur kitne timeframe mein - saath hi ye samajhne ko koshish karen, ki aapke personal milestones agenda mein kaunsi priorities top par rahengi? .
2.Next, in naye , ya fir newly urgent goals ko apne naye portfolio ke parameters se link karen. Apne goals ke tatparya mein aapka financial portfolio kitne samay mein kya achieve karne mein help kar sakta hai? Ask these questions to yourself. For example, moving to a different city might not be possible right now, and ho sakta hai ki 2020 mein aapke life experience se naye goals emerge huye hon. Ab in goals ke liye ek naya financial plan devise karen - kya aapki risk appetite pehle ke comparison mein reduce hui hai? Ya aapka portolio pehle ke comparison mein zyada growth-hungry hai? In factors ke baare mein sochen, doosre logon ki approach ko research karen, aur writing mein plans set karen.
3.Friends, is exercise ke baad apko 2 crucial insights zaroor milenge - these are: aapki nayi growth expectations, and aapki revised risk appetite. Once you understand these two things, tab apna focus inwards se outwards shift karen. Doston, markets kabhi same shape mein nahi rehte - change is the only constant. Market mein significant experience hone ke baawjood 2020 sabhi ke liye ek learning experience tha, kyunki stability, risk aur growth ki equations mein significant changes dekhne ko mile. Jo stocks previously stable aur high growth consider kiye jaate the, unhe naye sectors ne outperform kiya. In fact, business ke sabhi sectors mein large scale change dekhne ko mil raha hai. Ab retail ka example hi le lijiye - 2020 ke baad retail shops se kitne log groceries khareed rahe hain? In new factors ko apne market ke analysis mein shaamil karna bahut zaroori hai.
4.Pichle saal ke market performance ko samajhkar, it is time to build your portfolio by selecting the right instruments and picking the right securities. Agar aap apna portfolio revise kar rahe ho, toh aap is process se probably familiar ho. Lekin agar aap pehli baar apna portfolio build kar rahe ho, the process still remains more or less, the same - that is, select sectors par focus karen, then crunch the numbers, and aur top performed par ek solid qualitative aur quantitative review karen.
Toh doston, aap in pointers ki madad se apna naya portfolio bui;d kar sakte ho. Lekin abhi main discussion toh baaki reh gaya hai - kya aap jante ho wo kya hai? 2021 ki baat karte hue, pichle saal aur aane wale saal ke naye trends ka discussion kaise chhod sakte hain? That’s right - doston, ab hum aane wale saal ke kuch naye trends discuss karne ja rahe hain:
1.2020 mein risk management systems mein naye changes dekhne ko mile. Going forward, low risk appetite wale investors derivative positions ke mukaable cash positions ko zyada preference dikhayenge. Coronavirus ke baad jab markets first time plunge hue, sensex lost almost 4000 points. Kai investors ke derivative positions went down, aur diversification strategies extreme limits tak test hui - aise disruptions markets mein rarely dekhne ko milte hain, aur 2020 ne risk par ek important lesson sikhaya hai.
2.Sector rotation patterns mein significant shift dekhne ko mila - 2020 ke pandemic disruptions ke baawjood kuch sectors ne apne previous best performances ko exceed kiya. Is saal ke top gainers FMCG, Technology, Pharmaceutical and Banking and Financial Services se emerge hue. Lekin, ye sectors concurrently move nahi huye. Sector rotation par 2021 mein newfound focus dekhne ko milega, aur sector rotation ko master karne waale investors naye short aur mid-term opportunities identify kar payenge.
3.Price bottoms aur tops correctly predict karna difficult hoga, lekin apne investments se maximum growth record karne ke liye timing will be the key. 2020 mein kai investors ne bottoming stocks ko sahi time par purchase kiya, lekin unme se kaafi ne early seeling bhi ki. Pandemic ki reocvery se aane wale momentum mein timing ka importance spotlight mein aayega - kyunki recovery ke saath aayenge new gainers, naye sector rotation patterns aur growth waves.
4.2020 ke underperforming sectors ko apne radar mein rakhen. Recovery ke dauraan economy ke core components par reliance se momentum build hoga, and inko bottoms par purchase karna will be the key to making the most. In fact kuch sectors jaise retail, PSU aur FMCG already recovery ke signs dikha rahe hain.
5.Fourth quarter ki performance reports par nazar rakhen, kyunki this will help investors understand the performance of sectors aur companies over the entire year. For example, Zoom jaisi companies, jo remote work enablers hain, unse kuch degree tak divestment dekhne ko mil raha hai, kyunki work commutes are coming back. Aud doston, ek baat na bhoolein - strong companies perform well despite bullish, neutral ya fir even bearish conditions. On the other hand, weak performers perform badly chahe markets bullish hon, ya neutral. Ye samajhna ki kya apne portfolio mein include na kiya jaaye, will be easier than understanding ki kya buy kiya jaaye. Isliye, 2020 ke fourth quarter ki reports se companies ke performance ki ek comprehensive timeline build karen.
6.And lastly, yaad rakhen ki strong performance ka matlab buy signals nahi hai! Going forward, sectoral performance ko economic recovery ke context mein dekhna crucial hoga. Isliye, is samay par economic puzzle mein sabhi sectors ka role samajhne ki koshish karen. Isse aapko overbought aur expired opportunistic investments se door rehne mein madad milegi.
Saath hi, kuch naye sectors aapke portfolio mein stability layenge - ye aapke funds ko grow karne ke liye aapke naye diversification weapons honge.
Toh doston, ye the kuch trends jo aane wale samay mein high performing portfolios ko define karenge. Waise toh basics always remain the same - lekin 2020 ke experience ko review karna na bhoolein, kyunki inse aapko growth aur decline patterns samajhne mein crucial support aur experience milega.
Toh doston aapka 2021 portfolio kaisa dikhai de raha hai? Take time to think - Angel One wishes you the best for this new journey!
