// SAMPLE PORTFOLIO ANALYSIS

Diversified DSE Portfolio

Spread across 6 sectors with strong-rated DSE blue chips.

This sample portfolio demonstrates what a well-built holding looks like for a Bangladeshi retail investor. Seven blue-chip companies are spread across telecom, pharma, FMCG, paints, banking, and consumer goods — no single stock dominates and no single sector controls the outcome. Buy prices were placed close to fair value, so the analysis flags a healthy mix of strong companies and reasonable entry points.

Holdings

Sectors

Invested

৳148000

Current P&L

+৳5607 (+3.8%)

COkay

Portfolio Verdict

Your portfolio is okay, but 64% is in Pharmaceuticals & Chemicals and 1 financially weak company are pulling your returns down. Spreading the risk a bit more will make your money safer.

We grade your portfolio on three simple things: how well you've spread your money so one bad stock doesn't sink everything, how strong the companies you own actually are, and whether you bought at a fair price. A 'C' means at least one of these three is weak. Fix it now while the issue is still small.

Spread3.0/10

How well your money is split

Quality7.0/10

How strong your companies are

Entry8.0/10

Whether you bought at fair prices

Three quick lists below: what's already working, what needs your attention, and what to think about next. Each point explains what it means and what you can do about it.

What's Working Well

You own 7 different stocks across 5 sectors — that's a healthy spread. If one sector goes through a rough patch, the others can still hold your portfolio up. This is exactly the safety net long-term investors aim for.
BRACBANK has been a great pick — it's up 92.4% since you bought it. Don't sell just because it's up; check whether the company is still strong, and only book profit if the price has run far ahead of the business.
You paid a fair price for most of your stocks (6 out of 7). Buying at a fair price is half the battle in the stock market — you've avoided overpaying, which means a lot less stress later.
You earn reliable dividends from 4 of your companies. That means cash returning to you every year on top of any price gains — like rent from a property you own. Reinvesting these dividends quietly grows your portfolio over time.

Needs Your Attention

64% of your money is sitting in Pharmaceuticals & Chemicals stocks. If that sector has a bad quarter — interest-rate changes, regulation, weak earnings — most of your portfolio falls together. Try moving some money into a different sector to spread the risk.
MARICO alone is 54% of your portfolio. If that one stock drops 20%, your whole portfolio drops nearly 11% — that's a big hit from a single company. Trim it down or grow your other positions so no one stock dominates.
BERGERPBL's finances look weak — likely heavy debt or weak cash flow. Companies in this shape can struggle to pay dividends or even survive a downturn. Watch the next quarterly result closely and be ready to step out if things don't improve.
GP, BATBC and RENATA have all seen falling earnings — these businesses are shrinking. Share prices usually follow profits down over time, so don't ignore this. Watch their next quarterly results carefully and be ready to act.

Things To Consider

Trim your Pharmaceuticals & Chemicals exposure — it's currently 64% of your portfolio. The simplest fix is to stop adding to it and direct your next investments into a different sector. Over time the balance will even out without you having to sell anything.
GP is down, but the company is still strong and the price is now cheaper than when you bought. If you have spare money and still believe in the business, buying a little more here lowers your average cost — so when it recovers, you make back the loss faster.
BRACBANK has run up sharply — the stock now looks expensive compared to what the company actually earns. Booking some profit (selling part of your position) lets you lock in your gains while still keeping some shares for further upside. You don't have to sell all of it.

Sector Breakdown

5 sectors · 7 stocks

How your money is split across different industries. If you own only bank stocks and banks have a bad year, your whole portfolio falls together — owning a mix (say bank, pharma, and telecom) means one weak sector doesn't drag everything down. As a rule of thumb, no single sector should hold more than about 40% of your portfolio.

Pharmaceuticals & ChemicalsHeavy
64%· 3 stocks
Telecommunication
12%· 1 stock
Miscellaneous
11%· 1 stock
Bank
10%· 1 stock
Food & Allied
3%· 1 stock

Holdings Breakdown

Each stock scored on five fundamentals: business quality, financial health, competitive moat, valuation, and dividend.

MARICO

Marico Bangladesh Limited

Strong companyPharmaceuticals & Chemicals54% of portfolio

Overall

92/100

Buy Price

৳2200.00

Qty

LTP

৳2744.30

Current Value

৳82329

P&L

+৳16329 (+24.7%)

Strength Across Five Pillars

Business Quality

9.7

Financial Health

9.4

Competitive Moat

8.3

Valuation

8.1

Dividend

10.0

You bought at a great price, and the stock is still cheap compared to what the company earns. Hold on to this one — you got real value for your money.

Full analysis

Grameenphone Ltd.

Solid companyTelecommunication12% of portfolio

Overall

60/100

Buy Price

৳280.00

Qty

LTP

৳238.80

Current Value

৳19104

P&L

৳-3296 (-14.7%)

Strength Across Five Pillars

Business Quality

2.2

Financial Health

8.0

Competitive Moat

9.3

Valuation

7.3

Dividend

5.4

The stock is down, but the company is still strong and the price is now cheaper than when you bought. If you believe in the business, buying a little more here lowers your average cost.

Full analysis

BERGERPBL

Berger Paints Bangladesh Ltd.

Solid companyMiscellaneous11% of portfolio

Overall

61/100

Buy Price

৳1700.00

Qty

LTP

৳1365.50

Current Value

৳16386

P&L

৳-4014 (-19.7%)

Strength Across Five Pillars

Business Quality

6.2

Financial Health

3.8

Competitive Moat

4.8

Valuation

8.6

Dividend

8.5

The stock is down, but the company is still strong and the price is now cheaper than when you bought. If you believe in the business, buying a little more here lowers your average cost.

Full analysis

BRACBANK

BRAC Bank PLC.

Solid companyBank10% of portfolio

Overall

71/100

Buy Price

৳38.00

Qty

200

LTP

৳73.10

Current Value

৳14620

P&L

+৳7020 (+92.4%)

Strength Across Five Pillars

Business Quality

9.7

Financial Health

9.3

Competitive Moat

3.6

Valuation

3.2

Dividend

7.4

You're up nicely, but the stock now looks expensive — meaning the price has run far ahead of the company's earnings. Booking some profit now locks in your gains in case the price comes back down.

Full analysis

SQURPHARMA

Square Pharmaceuticals PLC.

Strong companyPharmaceuticals & Chemicals8% of portfolio

Overall

84/100

Buy Price

৳200.00

Qty

LTP

৳208.80

Current Value

৳12528

P&L

+৳528 (+4.4%)

Strength Across Five Pillars

Business Quality

8.0

Financial Health

8.4

Competitive Moat

7.6

Valuation

8.7

Dividend

10.0

You paid a fair price, and the stock is still cheap today. If you have spare money, this is the kind of stock to add a little more of.

Full analysis

BATBC

British American Tobacco Bangladesh Company Limited

Solid companyFood & Allied3% of portfolio

Overall

61/100

Buy Price

৳480.00

Qty

LTP

৳214.00

Current Value

৳5350

P&L

৳-6650 (-55.4%)

Strength Across Five Pillars

Business Quality

5.1

Financial Health

8.0

Competitive Moat

5.7

Valuation

8.0

Dividend

4.2

The stock is down, but the company is still strong and the price is now cheaper than when you bought. If you believe in the business, buying a little more here lowers your average cost.

Full analysis

RENATA

Renata PLC

Average companyPharmaceuticals & Chemicals2% of portfolio

Overall

54/100

Buy Price

৳950.00

Qty

LTP

৳411.30

Current Value

৳3290

P&L

৳-4310 (-56.7%)

Strength Across Five Pillars

Business Quality

4.4

Financial Health

4.5

Competitive Moat

6.0

Valuation

9.1

Dividend

4.2

The stock is down, but the company is still strong and the price is now cheaper than when you bought. If you believe in the business, buying a little more here lowers your average cost.

Full analysis

This analysis is for guidance only. Always do your own research before making investment decisions.

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