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Review your Mutual Fund portfolio

Add your mutual funds to get a full diagnostic — returns, risk, overlap, and fund quality.

What this portfolio review covers

Most investors only check returns. A complete mutual fund portfolio review goes much deeper — and most portfolios look very different once you do.

73%

Portfolios have significant fund overlap

6 of 10

Investors don't know their actual cap allocation

Benchmark-relative returns

Did your portfolio beat the market consistently across rolling periods, or just during the bull run?

Downside behaviour

How much does your portfolio fall vs the benchmark in bad periods — and are you prepared for that number?

Crash recovery time

Two portfolios can fall the same amount. The one that takes twice as long to recover costs you compounding.

Overlap and duplication

5 funds can behave like 1 concentrated position if they own the same underlying stocks.

Actual asset allocation

Your real large, mid, and small cap split — across all funds combined, not what you intended.

Read the guide

Mutual Fund Portfolio Review: What Your Returns Aren't Telling You

→

Common questions

How many mutual funds should I have?

4–6 funds is a sensible range for most investors. What matters more than the count is whether each fund has a genuinely distinct, non-overlapping role.

How often should I review my SIP portfolio?

Once a year is a reasonable baseline. Also review after major market corrections or any life change that affects your investment horizon.

Should I exit a fund that underperformed recently?

Not based on 6–12 months alone. Evaluate over rolling 3–5 year periods relative to category peers — short-term underperformance is usually cyclical, not structural.

What is mutual fund overlap and why does it matter?

Overlap means multiple funds own many of the same underlying stocks. You aren't spreading risk — you're concentrating it while paying multiple sets of fees.

Is my portfolio too aggressive?

Check your actual large, mid, and small cap split across all funds. If more than 50–60% is in mid and small cap, it's an aggressive portfolio. The honest test: would you stay invested if it fell 35–40%?

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