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Growth Model Portfolio – November 2026
Introduction to Model Portfolios
With Yadnya’s Model portfolios, what we are offering is making complicated investing simple. These Model Portfolios use the same asset allocation philosophy that many institutional investors utilize. The main pillars of the model portfolios are our research-based products – Stock-o-meter (https://investyadnya.in/stock-o-meter), Mutual Fund Subscription (MFYadnya.in), and Financial planning product (FinPlanYadnya.in). The idea is to utilize quantitative and qualitative factors observed based on our extensive research for suggesting model portfolios that make sense for individual investors like you. The foundation of these portfolios is asset allocation strategies followed by tactical sectoral allocations at the stock level. As Ray Dalio, the famous Hedge Fund Manager & Founder of Bridgewater says, “I think that the first thing is you should have a strategic asset allocation mix that assumes that you don't know what the future is going to hold.”
For the Growth Model Portfolio, true to its investment objective of aggressive returns, the majority of the allocation is done to equities followed by fixed income and lastly money market (cash equivalent). Exposure to equities is through Stocks and Mutual Funds while exposure to Fixed Income and Money Market is purely through Mutual Funds.
Methodology
Growth Portfolio
Investment objective
The aim is to generate long-term returns by investing in an Aggressive Growth-Oriented Portfolio.
The rationale for this Portfolio
We have included two modes of investment vehicles – Stocks and Equity Mutual Funds. For meeting the investment objective of an aggressive growth-oriented portfolio, looking at the long-term expected returns and risk levels of each asset class based on our long-term view of the Indian economy and financial market, we suggested a strategic allocation of 75% in Direct Equities and 25% in Equity Mutual Funds.
Please note this model portfolio is suitable for investors with a high-risk tolerance and risk appetite. Typically, to begin investing, we recommend starting with the mutual fund route, wherein you rely on the professional expertise of fund managers for making stock choices for you. After the initial learning curve, we suggest following it up with the approach of a Mutual Fund driven portfolio with some percentage of direct stock exposure.
Stock Selection Approach
We are a firm believer of Warren Buffett’s principle where he says that an individual should invest only in the companies whose business they understand. “Consumption” is the core theme for constructing these portfolios along with some peripheral stocks i.e., investing in companies that are into consumer-centric businesses that grow with consumption and businesses that are into financing this retail consumption. We are a believer in India’s consumption story, which include sectors such as – Banking & Finance, FMCG, Consumer Durables, Automobile, Paints, Healthcare, Retail, Telecom, Tourism, Real Estate, etc. This report by World Economic Forum gives a glimpse of India’s consumption story and expected growth in the next 10 years. There are a few peripherals stocks too that do not fit completely into the consumption theme, but their inclusion is driven by the strong fundamentals of the company and the company’s effort in making their brand and product visible to retail investors. We have purposely stayed away from sectors like airlines.
This model portfolio is constructed using the smart beta strategy of growth investing, wherein we try to identify high-growth stocks with good historical and future earnings growth, decent profit margins, respectable returns on capital and equity, and a worthy share price performance.
We follow Yadnya’s FIVE-G framework for bottom-up analysis of stocks. The framework of Financials, Industry Analysis, Valuation, Enterprise (Business Model), and Governance, helps in analyzing stocks and with the stock selection process within each sector’s tactical allocation.
Fund Selection Approach
Mutual Funds help in easy diversification and tapping on professional fund management and research expertise via an easily accessible channel. It is truly an invest-and-forget type of product unless and until there is a significant change in management or a market event-based trigger.
We have utilized our proprietary fund selection FRRISK methodology - MFYadnya.In for shortlisting and adding equity mutual funds, debt funds, and ETF/index funds in model portfolios.
Is this model portfolio for you?
This aggressive portfolio is appropriate for an investor with a high-risk tolerance and a time horizon of more than 8 years. Aggressive investors are willing to accept periods of extreme market volatility (ups and downs in account value) in exchange for the possibility of receiving high relative returns that outpace inflation by a wide margin.
The reason aggressive investors need to have a time horizon longer than 8 years is that a growth focussed portfolio will have a high allocation to stocks and if there is a severe downturn in the market, you'll need plenty of time to make up for the decline in value. Put simply, the more the allocation to stocks, the longer the time to stay invested!
These are typical investor profiles who can refer to this portfolio –
Time Horizon – Min. 8 years
Rebalancing – Quarterly
Important Dates
Inception Date – December 1st, 2019
Launch Date – December 6th, 2019
Last Market Driven Rebalancing – October 28th, 2024
Last Quarterly Rebalancing – August 22nd, 2026
Next Quarterly Rebalancing on – November 21st, 2026
Benchmark – BSE 500
Performance
Growth Model Portfolio Cumulative Performance (As on 30th October 2026)
(CAGR figures represent the theoretical performance of the model portfolio starting from inception, assuming a single initial allocation (lump-sum) and rebalancing on the exact dates/weights recommended. It does not reflect a dynamic, cash-flow-adjusted return (such as XIRR) for staggered/SIP investments, nor does it account for individual execution slippage, brokerage, or timing differences. CAGR includes bonus & dividend issued if any)
Yadnya Academy Pvt. Ltd.(Research Analyst) is enrolled with the Past Risk and Return Verification Agency (PaRRVA), operated by CARE Ratings Ltd., in accordance with SEBI requirements.
The historical performance records of our model portfolios have been certified by a CA. We are currently in the process of transitioning to PaRRVA-verified performance reporting, in line with the applicable SEBI framework.
PaRRVA-verified performance is expected to be available shortly, following completion of the applicable cooling-off period and verification process under the PaRRVA framework. Once PaRRVA-verified performance becomes available, the existing internally computed performance figures will be discontinued and replaced with PaRRVA-verified figures. Please note that the performance figures certified by a Chartered Accountant and those verified by PaRRVA may differ due to differences in their respective calculation and verification methodologies. Upon availability, PaRRVA-verified performance will serve as the official record of the performance of our model portfolios and will supersede the previously displayed figures.
This chart shows the portfolio’s cumulative performance starting from Nov 2017 until the latest month-end. The Growth Model Portfolio is compared against BSE 500 index’s cumulative returns as a benchmark.
Disclaimer: The information on this site is provided for reference purposes only and should not be misconstrued as investment advice. Under no circumstances does this information represent a recommendation to buy or sell stocks or MF. All these portfolios are created based on our expert’s experience in the market. These Model Portfolios are prepared by SEBI Registered RIA.
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