Portfolio A vs portfolio B, same what-if
Hypothetical| Measure | A | B | B minus A |
|---|---|---|---|
| Expected yearly return (assumption) | 9.6% | 7.8% | -1.9 pts |
| Value after this what-if | ₹43.12 lakh | ₹49.5 lakh | +₹6.38 lakh |
| Fall in this what-if | 13.8% | 1.0% | -12.8 pts |
| Cash cover for 12 months | 10.33x | 11.50x | +1.16x |
| Ups and downs (normal times) | 8.0% | 3.3% | -4.8 pts |
| Ups and downs (in a crisis) | 13.1% | 4.3% | -8.7 pts |
| Independent bets in a crisis | 2.22x | 3.52x | +1.30x |
In plain words
Under these assumptions, B falls about 12.8 pts less in this what-if, covers the cash need 11.5 times against 10.3, but expects 1.9 pts less growth a year.