Portfolio Health Check
Review emergency fund, insurance cover and asset mix against common rules of thumb.
About you
₹1.5 L
Savings & investments
₹3 L
₹10 L · Equity mutual funds, shares
₹5 L · Debt funds, FDs, PPF, bonds
₹1 L
Protection
₹1 Cr
₹5 L
Observations
Emergency fund
Worth reviewingYour emergency fund covers about 4.3 months of expenses. A common rule of thumb is around six months (₹4.2 L).
Monthly surplus
Looks reasonableYou have a surplus of about 53% of your income after expenses, which gives room for regular investing.
Life cover
Worth reviewingYour life cover is about 5.6× your annual income. A common rule of thumb is roughly 10–15× (around ₹1.8 Cr–₹2.7 Cr) with 2 dependents.
Health cover
Worth reviewingYour health cover of ₹5 L is below a commonly used starting point of about ₹10 L for a family, given rising hospitalisation costs.
Equity share vs horizon
Looks reasonableAbout 63% of your investments are in equity, which is broadly consistent with a long 10-year horizon — provided you are comfortable with interim volatility.
Concentration
Looks reasonableYour investments are spread across more than one asset class, which helps diversify risk.
Current investment mix
- Equity₹10,00,000(63%)
- Debt₹5,00,000(31%)
- Gold / other₹1,00,000(6%)
These observations use simplified rules of thumb and only the figures you entered. They are not a correct or complete assessment of your finances and are not a recommendation — a detailed review considers your goals, liabilities, existing policies and tax situation.
Next step
Request a Portfolio Review
Share your details and our team will get in touch to discuss these observations in more detail. Your inputs and the observations above are sent along with your request.
How this works
The health check compares the figures you enter with widely used rules of thumb — such as an emergency fund of about six months of expenses and life cover of roughly 10–15 times annual income.
Each observation is marked as looking reasonable, worth reviewing, or needing attention. These are general pointers to start a conversation, not a complete or personalised assessment.
If you would like a detailed review, you can request a call back and our team will get in touch.
This check uses simplified rules of thumb and the information you provide. It is not a complete or personalised financial assessment.
The results shown are illustrative estimates based on the assumptions you enter and are not a guarantee of future returns. Actual returns may be higher or lower. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past performance does not guarantee future returns. These tools are for educational purposes only and do not constitute investment advice or a recommendation of any product. WealthBay is an AMFI-registered Mutual Fund Distributor (ARN 29566).
Turn Estimates into a Personalised Plan
Calculators show what is possible under a set of assumptions. Our team can help you review your goals, risk appetite and existing investments in a free, no-obligation conversation.