Mutual Fund Portfolio Review

🔍 Purpose of This Session:

This session is designed to help you analyze, optimize, and rebalance your existing mutual fund investments. Whether you're investing via SIPs, lumpsum, or ELSS, we’ll evaluate if your current portfolio aligns with your financial goals, time horizon, and risk tolerance.

✅ What We’ll Cover:

1. Portfolio Health Check

• Review all current mutual fund holdings (equity, debt, hybrid, etc.)
• Identify underperforming or unsuitable funds
• Spot concentration risk, overlap, and style drift

2. Goal Alignment

• Match each fund to specific goals (retirement, education, house, etc.)
• Ensure correct time horizon and asset allocation

3. Risk & Return Assessment

• Analyze risk-adjusted returns and category benchmarks
• Assess whether your current funds match your risk appetite

4. Tax Efficiency

• Review exit loads, capital gains, and tax impact
• Suggest tax-loss harvesting (if applicable)

5. Rebalancing Suggestions

• Recommend whether to hold, exit, switch, or add SIPs
• Suggest new funds only if necessary, with rationale