Does owning large number of funds reduces your risk?
You may be prompted by your advisor or by one of your well-wishers to have funds for every reason and season. This will help you, according to them, to prepare yourself for every financial goal. Nevertheless, by following them, you will end up with too many funds in your portfolio. The problem with too large a portfolio is that it takes its own time to track and manage. John C Bogle in his book ‘Common sense on Mutual Fund’ writes that a single ready-made balanced index fund—holding 65 per cent stocks and 35 per cent bonds—can meet the needs of many investors.
Nevertheless, what is the maximum number of funds one should hold in his portfolio that will minimise his risk? Going beyond four or five equity funds will neither increase your returns nor is it going to reduce your risk. Moreover, too large a number can easily result in over-diversification. To understand the impact of how the number of funds determines the riskiness of your portfolio; we did a study involving 15 funds from different fund houses. We took their last two-year daily returns data and gave them equal weightage to calculate the portfolio standard deviation, a popular measure of the riskiness of an asset. We found that as we keep on adding more funds, it started reducing the portfolio standard deviation. However, after a certain point of time, it started rising and then plateaued.
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)
The above result is only for the funds that I have taken in my example. Depending on the nature of funds and their return distribution, the above graph will change. Nevertheless, one thing is clear, that as and when the number of funds increases, it stops reducing your risk incrementally.