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PORTFOLIO ADVISORY

Free Expert Portfolio Review and Rebalancing for New Clients

Get an independent review of your existing mutual fund, equity, or debt portfolio. Identify overlaps, underperformers, and gaps. Receive a rebalancing plan with specific product recommendations.

Free First Review
No charges
Asset Allocation
Expert analysis
Risk-Adjusted
Optimisation
Portfolio Review Summary
Portfolio SizeRs.35 Lakhs
Funds Reviewed12 Funds
Overlapping Funds4 Identified
Recommended ActionConsolidate to 7
Expected CAGR Improvement+1.8%
KEY FEATURES

What Our Portfolio Advisory Covers

Fund-Level Performance Analysis

Every fund in your portfolio is reviewed for: CAGR vs benchmark, rolling returns, risk-adjusted return (Sharpe/Sortino), and consistency across market cycles.

Asset Allocation Review

We check your overall equity-debt split against your age, risk profile, and goals. Many investors are either too aggressive or too conservative for their situation.

Portfolio Overlap Analysis

Owning 15 mutual funds does not mean 15x diversification. Most large-cap funds hold the same 50 stocks. We identify redundant holdings and recommend consolidation.

Sector Concentration Risk

Large bets on a single sector (IT, banking, pharma) amplify both upside and downside. We review your sector exposure and flag dangerous concentrations.

Rebalancing Recommendations

Market movements shift your equity-debt ratio over time. We provide a specific rebalancing plan — which funds to exit, which to increase — to restore your target allocation.

Goal Alignment Check

Verify that each investment is aligned to a specific goal with an appropriate time horizon. Long-term money should not be in liquid funds; short-term money should not be in aggressive equity funds.

ELIGIBILITY

Who Should Get a Portfolio Review?

Any investor with an existing portfolio who wants an independent second opinion before making changes.

  • Invested for 3+ years and want to know if you are on track
  • Portfolio has grown complex with too many funds
  • Moved to a new city or life stage and need to realign goals
  • Recently received a large sum (inheritance, bonus) to be deployed
  • Want to switch from regular to direct plans systematically
  • Approaching a major goal (retirement, home purchase) within 3 years

Documents Required

  • Mutual fund portfolio statement (CAMS/Karvy consolidated statement)
  • Stock portfolio statement (if applicable)
  • Demat account statement
  • Insurance policies list
  • List of financial goals with timelines
  • KYC — PAN Card
THE PROCESS

How It Works

1
Share Your Portfolio Statement

Send us your consolidated CAMS/Karvy statement or link your demat. Our analysis tool runs within 24 hours to identify all key metrics.

2
Review Call with Advisor

A 45-minute call where our advisor walks through the findings: fund performance, overlaps, allocation issues, and risk profile mismatch.

3
Rebalancing Plan Delivery

Receive a written rebalancing plan with: specific exit recommendations, replacement fund names, and a phased timeline for changes to minimise tax impact.

4
Implementation Support

We support you through the switches, redemptions, and new investments. All changes are made in your accounts — nothing moves without your approval.

Frequently Asked Questions

How often should I rebalance my portfolio?
Annual rebalancing is the standard recommendation. In addition, rebalance whenever your asset allocation drifts more than 5–10% from target due to market movements. For example, if your target is 70% equity and a bull market pushes it to 80%, sell 10% equity and move to debt. This locks in gains and maintains your risk level.
What is the tax impact of rebalancing?
Switching or redeeming equity mutual funds held under 1 year triggers STCG at 15%. Over 1 year, LTCG above Rs.1 lakh is taxed at 10%. We design rebalancing to minimise tax: use annual SIP switches, first exit underperformers (which have lower gains), and time exits around the 1-year threshold whenever possible.
Should I switch from regular plans to direct plans?
Direct plans save 0.5–1.5% annually in expense ratio. On a Rs.30 lakh portfolio, this is Rs.15,000–45,000 per year — compounding significantly over 10 years. We recommend switching to direct plans systematically over 12–18 months to spread the tax impact of redemptions across financial years.
How do I access my consolidated mutual fund statement?
Go to www.camsonline.com or www.karvy.com and request a consolidated account statement (CAS) using your PAN-linked email. This shows all mutual fund holdings across all AMCs. Alternatively, use the myCAS app with your Aadhaar. We can guide you through this in 5 minutes.
What are the most common portfolio mistakes you see?
The five most common mistakes: (1) Too many funds creating illusion of diversification, (2) Regular plans where direct plans are available, (3) No rebalancing for years — equity allocation becomes dangerously high after bull runs, (4) Long-term money in FDs and short-term money in equity, (5) No health or term insurance leading to premature portfolio liquidation on a medical emergency.

Get an Independent Second Opinion on Your Portfolio

Free portfolio review for new clients. No obligation to act on our recommendations.