Quick Portfolio Gut-Check

"Am I doing okay?" a fast read on your current mutual funds, SIPs, or stocks, flagging anything obviously off (bad expense ratios, overlapping funds, tax inefficiency). If you've also got an insurance policy sitting there that you've never quite understood, mention it and we'll squeeze in a quick take on that too. Not a deep dive just a clear, honest gut-check on whether your money is doing what you think it's doing.