What a portfolio review looks like
A review reads your holdings across every fund house (from your Consolidated Account Statement) and lays out four things: how the money is spread, where it is concentrated, where funds repeat each other, and where the monthly SIPs go. Each finding comes with what it means and what to talk about. This is the same layout, filled with a fictional investor's portfolio.
Summary
Fictional dataMain points to discuss
- Discuss Two large cap funds share 68% of their holdings, and together take 44.4% of the monthly SIP amount.
- Discuss 60% of the portfolio sits with one fund house.
- Check 75% is in equity. Whether that suits depends on the goals and time horizons it is meant for.
- Fine No single scheme is more than 18% of the portfolio.
1. Asset allocation
Fictional dataBy asset class
By category
What this shows. How the ₹24,00,000 is split between equity, debt and hybrid funds, and within equity between large, flexi, mid cap and tax-saver funds.
Why it matters. The mix, more than any single fund, decides how much the portfolio can rise and fall. There is no universally right mix: money needed in two years and money for a goal fifteen years away usually call for different ones.
To discuss. Which goal each part of the money is for, when it will be needed, and whether the current split matches your risk profile.
2. Concentration
Fictional dataBy fund house
By scheme
Held: 9 schemes, of which 6 are equity funds.
What this shows. How much of the money depends on one fund house, and on the largest schemes.
Why it matters. Several schemes from one fund house often share an investment team and style, so they can behave alike. That is not wrong in itself; it is worth knowing when you count how diversified you are.
To discuss. Whether the spread across fund houses was a choice or an accident of where each SIP was started.
3. Fund overlap
Fictional data| Fund pair | Overlap | Common stocks in each fund's top 10 |
|---|---|---|
| Large Cap Fund A & Large Cap Fund B | 68% | 8 of 10 |
| Large Cap Fund A & Flexi Cap Fund C | 46% | 6 of 10 |
| Flexi Cap Fund C & Flexi Cap Fund D | 41% | 6 of 10 |
| Large Cap Fund B & Flexi Cap Fund D | 38% | 5 of 10 |
| Flexi Cap Fund C & Mid Cap Fund E | 14% | 2 of 10 |
How it is worked out. For two funds, take every stock both hold and add up the smaller of its two weights. 0% means no shared stocks; 100% means the same portfolio. A real review uses each scheme's latest monthly portfolio disclosure.
What this shows. Large Cap Fund A and Large Cap Fund B hold largely the same companies, so the second adds little that the first does not already give.
To discuss. Why each fund was bought, and whether holding both still serves a purpose.
4. Where the monthly SIPs go
Fictional data| Scheme | Category | Monthly SIP | Share of SIPs |
|---|---|---|---|
| Large Cap Fund A | Large Cap | ₹5,000 | 22.2% |
| Large Cap Fund B | Large Cap | ₹5,000 | 22.2% |
| Flexi Cap Fund C | Flexi Cap | ₹7,500 | 33.3% |
| Mid Cap Fund E | Mid Cap | ₹5,000 | 22.2% |
| Total | ₹22,500 | 100% |
What this shows. New money each month follows the SIPs, not the current split. Here 44.4% of it goes into the two large cap funds that overlap most, and nothing new goes into debt.
To discuss. Whether the SIP amounts and dates still match your budget and goals, and whether any SIP needs a step-up, a pause or a change of fund. Any change happens only on your separate instruction.
How a real review works
- You request a review and we speak briefly about your goals.
- You share your Consolidated Account Statement from CAMS or KFintech through the channel we give you (never through a public form).
- We go through the same four sections on your actual holdings, with the explanations, in a conversation.
- You get a short list of points and follow-ups. Nothing is bought, sold or switched unless you separately instruct it.
This page is an illustration built on fictional data to show the format of a portfolio review. It is not a recommendation to buy, sell or hold any scheme. Dulawat Finserve is an AMFI Registered Mutual Fund Distributor (ARN-319439), not a SEBI Registered Investment Adviser. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.