Portfolios tend to grow by accumulation: a fund suggested by a colleague, an insurance policy bought in March, a new SIP after a good year. A structured review looks at the whole picture and asks whether each holding still deserves its place.
Why it matters
- Overlapping funds can give the feeling of diversification without the reality.
- Asset allocation drifts as markets move, quietly changing your risk.
- Old products may no longer match your goals, tax position or time horizon.
What we look at together
- 01Asset allocation across equity, debt and gold
- 02Overlap and concentration
- 03Fit with goals and time horizon
- 04Costs and tax implications of changes
- 05Consistency of holdings against their stated objective
- 06Liquidity when money will be needed