Securing Hannav Ledger...
Securing Hannav Ledger...
Glossary
Portfolio is the complete collection of investments held by an individual or institution, including stocks, mutual funds, debt, gold, and cash.
Your portfolio is everything you own financially — all funds, stocks, FDs, and gold combined as one picture.
Portfolio analysis examines allocation, concentration, correlation, and performance attribution. Rebalancing maintains risk profile. Consolidated Account Statement (CAS) from NSDL/CDSL aggregates mutual fund and demat holdings monthly.
Portfolio worth ₹25 lakh: ₹12 lakh equity funds, ₹8 lakh debt/FD, ₹2 lakh gold SGB, ₹3 lakh liquid/emergency — reviewed quarterly against goals.
Quarterly or semi-annual review suffices for long-term investors. Avoid daily tinkering driven by news noise.
When multiple funds hold the same stocks, effective diversification is lower than fund count suggests. Check top holdings overlap.
Use CAS email, aggregator apps, or spreadsheet importing statements from AMC, demat, and bank FD records.