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Bull Market · FOMO

My portfolio is down — what do I do right now?

TL;DRThree steps — in order. First, do not sell. Selling converts a temporary fall into a permanent loss. Second, check your portfolio structure — if you are 100% in equity, every Nifty correction hits you at full force with no buffer. Third, assess whether your portfolio has a recovery mechanism or whether it simply holds and waits. A portfolio that can shift to cash or commodities during extreme risk is fundamentally different from one that cannot. Structure matters more than timing right now.
Recommended Portfolio
Focus360 Velocity
Multi-asset India equity + Gold + Global + Cash calls. Acts fast when markets fall.
The most common mistake in a correction is not selling at the bottom — it is holding a portfolio that was never designed to handle a crash in the first place.
A 100% equity portfolio has no buffer — when Nifty falls, everything falls with it. A multi-asset portfolio combining Indian equity, gold, and global exposure behaves differently. When domestic equity corrects, gold has historically moved in the opposite direction, and global exposure adds a return engine uncorrelated to Indian market cycles. The result is a smaller drawdown. And a smaller drawdown means a smaller hole to climb out of — which matters far more than any timing decision you will ever make.
Use Focus360 Velocity. Monthly rebalancing means the portfolio responds to changing conditions quickly — shifting toward cash or commodities when the model signals risk, and rotating back toward equity as conditions stabilise. When your portfolio is already down, response speed matters.
NOT INVESTMENT ADVICE · SEBI INH000024143 · Stock data shown is illustrative. Performance figures represent relative outperformance vs equal-weight Nifty 500 benchmark, not absolute CAGR. Dynamic Allocator signal is a model output not a personalised recommendation. Past performance does not guarantee future results.