A smarter way to manage a ₹12-cr portfolio

I am a 42-year-old entrepreneur with a portfolio of around ₹12 crore spread across equity mutual funds (55%), real estate (25%), debt mutual funds (15%) and 5% in savings account. While my investments have grown well over the years and generated healthy returns, I feel my portfolio is becoming difficult to manage and track efficiently. How should I simplify my investments?

- Nehal Mota

Based on the available information, we will have to make some assumptions on how your portfolio is split to answer this question in a structured and practical manner.

About 55% or ₹6.6 crore is parked in equity mutual funds. This is followed by real estate investments that make up around 25% of the investments (₹3 crore) and debt mutual funds and cash or other investments make up the remaining 20% (15% debt, 5% cash/other). However, it has to be redesigned to be more streamlined, goal-oriented and easily accessible. A portfolio that has grown well over time is not necessarily the same as a portfolio that is well-structured.