Is Your Portfolio Still Working for Your Goals?
Portfolios drift over time. Funds change, markets move and your goals evolve. A regular review helps you see where you stand and what, if anything, needs to change.
What Is a Portfolio Review?
A portfolio review is a structured look at everything you own, including mutual funds, stocks, deposits, bonds, retirement accounts and insurance, measured against your goals. It answers a simple question: is this mix of investments likely to get you where you want to go, at a level of risk you are comfortable with?
Many investors build portfolios one product at a time, often based on a tip or a recent top performer. Over time this can lead to too many similar funds, gaps in protection and an allocation that no longer fits. A review brings it all together in one view.
What a Portfolio Review Covers
Asset Allocation vs Goals
We compare your current mix of equity, debt, gold and cash with what your goals and time horizons need.
Fund Overlap
We check whether several of your funds hold the same stocks, which adds complexity without adding diversification.
Underperformers vs Benchmark
We compare each fund's performance with its benchmark and category over meaningful periods, not just the last few months.
Costs & Expense Ratios
We look at expense ratios, regular vs direct plans, exit loads and other costs that quietly reduce returns.
Tax Efficiency
We highlight capital gains implications of any changes and opportunities such as tax harvesting, in general terms.
Insurance Adequacy
We check whether your life and health cover is enough for your family's needs, because investments should not have to pay for emergencies.
How the Review Works
Share Your Holdings
Share your consolidated account statement (CAS) and details of other investments and policies.
Understand Your Goals
We discuss your goals, time horizons, income needs and comfort with risk.
Analyse
We review allocation, overlap, performance, costs, tax and protection, and summarise our observations.
Rebalance & Review
We discuss possible changes and their tax impact, and agree when to review again.
Start With a Quick Portfolio Health Check
Want a quick sense of where you stand? Our portfolio health check asks a few questions about your allocation, diversification and protection, and highlights areas worth discussing with an advisor.
The tool is educational and gives indicative observations only. It is not a recommendation to buy or sell any investment.
Who Benefits From a Review
Investors With Many Funds
If you hold many schemes picked over the years, a review can simplify your portfolio without losing diversification.
After a Life Event
Marriage, a child, a new job, an inheritance or approaching retirement are good times to re-check your plan.
After Big Market Moves
Sharp rises or falls can push your allocation away from your plan. A review helps you rebalance with discipline.
Important Information
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
WealthBay Private Limited is an AMFI-registered Mutual Fund Distributor (ARN 29566). We are not a SEBI-registered investment adviser. A portfolio review is a service to help you understand your holdings; any changes are your decision.
- Past performance may or may not be sustained in future and is not a guarantee of future returns.
- Switching or redeeming investments may attract exit loads and capital gains tax.
- Benchmark comparisons are indicative and depend on the period chosen.
- Consult a qualified tax professional on the tax impact of any changes.
Have questions about Portfolio Review?
Speak to our team — no obligation. We'll explain the options, risks and costs.
Common Questions About Portfolio Reviews
How often should I review my portfolio?
What documents do I need?
Will you ask me to sell all my existing funds?
Does a fund that underperformed last year need to be replaced?
WealthBay Private Limited — AMFI-registered Mutual Fund Distributor, ARN-29566. WealthBay acts as a distributor of third-party financial products and earns commissions from product providers. Please read all scheme / offer documents carefully before investing.
Get a Clear View of Your Investments
Share your holdings and goals, and an advisor will walk you through a structured review.