Mr. Jagdish Jha is the founder of JSMC Classes &Consultancy LLP, a Pune-based company has the core mission to Educate individuals to create Income as well as Wealth by imparting Simple and Best Knowledge through Stock Market Classes.
Read MorePortfolio Review
Portfolio Review in Mutual Fund Investment refers to the regular assessment of your mutual fund holdings to ensure they align with your financial goals, risk appetite, and market conditions.
What is Portfolio Review?
It’s a periodic check-up of your mutual fund investments to:
- Track performance
- Rebalance assets (if needed)
- Align with your changing goals and life stages
Why is Portfolio Review Important?
- Performance Check – See if funds are giving expected returns
- Risk Management – Adjust based on market changes or personal risk tolerance
- Goal Alignment – Ensure funds still suit your goals (retirement, education, etc.)
- Tax Efficiency – Plan redemptions/redirections smartly to reduce taxes.
- Rebalancing – Shift between equity, debt, or hybrid based on market and goals
How Often Should You Do It?
- Ideally every 6 to 12 months.
- Or during key life or market events (job change, market crash/rally, etc.)
What to Review?
Criteria | What to Look For |
Fund Performance | Compare with benchmark & peers |
Asset Allocation | Equity/Debt ratio per your risk profile |
Fund Rating | Check star ratings or expert reviews |
SIP Status | Active, paused, or discontinued SIPs? |
Capital Gains | Plan for tax implications |
Tip:
Even a good fund may not suit your personal goal — don’t just chase returns. Review and act wisely.
