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Ep-202 #AskMoneyPurse
Takeaway
For near-term goals shift SIPs to debt; the ITC Hotels demerger may correct sharply due to forced index/large-cap fund selling — wait for better valuation.
Summary
- Q&A episode: Ramesh's portfolio (ICICI Pru Bluechip, Motilal Oswal Midcap, Parag Parikh Flexicap, Nippon Small Cap, SBI Small Cap) reviewed for goal of withdrawing Rs 2 lakh/year from 2027 for 6 years.
- Advice: Park new Rs 10K SIP for 2 years in debt funds (expecting ~8% return, ~Rs 2.58 lakh corpus) since goal is near-term; switch ICICI Bluechip to an index fund for large-cap exposure.
- On ITC Hotels demerger: business fundamentals strong (Rs 3000 cr revenue vs Rs 664 cr in 2021, 140 hotels, 12,965 keys, debt-free balance sheet, 46 new hotels by 2030).
- Index funds and large-cap funds will be forced to sell ITC Hotels post-demerger (not in index/large-cap mandate) — expect correction creating buying opportunity.
- Host's personal strategy: wait for post-demerger listing correction rather than buy pre-demerger on FOMO.
mutual-fundsITC-demergerportfolio-review
Original description
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