Your agent's job ended the day you signed the forms.
Almost everyone I meet already has someone handling their mutual funds. Ask them when they last heard from that person and the answer is the day they filled in the paperwork.
That is how the job gets treated — fill the form, collect the trail commission, move to the next person. And the trail keeps paying whether your portfolio makes sense or not, so nothing forces anyone to open it again. Most agents are not dishonest. They are administrative staff who believe the work ended at onboarding.
So nobody tells you that your four funds hold the same thirty stocks. Nobody books your long-term gains before March, and an exemption you were entitled to expires quietly. Nobody asks what the money is actually for, which is the one question that decides every other one.
I would rather have fifty clients whose portfolios I can describe from memory than five hundred I onboarded and forgot. That is the whole reason this exists. Every account I open comes with a written review twice a year — not a phone call when the market falls, an actual document showing what changed and what I think you should do about it.
A review of what you already hold
Send me your CAS or a portfolio screenshot. I check overlap between your funds, how each one has done against its category, and whether you are actually diversified or just holding five versions of the same thing. If your funds are good, I will tell you to keep them.
Tax-gain harvesting every year
Long-term equity gains up to ₹1.25 lakh a year are exempt. Most people never use that limit. I track it across your holdings and book the gains before March so the exemption does not go to waste.
Goals first, funds second
House, child's education, retirement, a car three years out — each one gets its own timeline, its own mix and its own SIP. That is what decides the fund, not what is topping the returns chart this quarter.
What are you holding right now?
Add a row for each fund you hold — its category and what it is worth today. You will see your real equity, debt and gold split, where it drifts from a model mix, and which funds are probably doing the same job. Nothing leaves your browser.
Are two of your funds doing the same job?
Pick up to three fund types and what you hold in each. You will see how much these kinds of funds usually hold in common, and why that matters more than the number of funds you own.
What overlap actually means
Two funds can carry different names and hold the same companies. A large cap fund and a Nifty index fund both buy the biggest thirty businesses in India, so owning both is mostly owning one of them twice.
Overlap is the share of your money sitting in the same stocks across two funds. High overlap does not reduce your risk. It concentrates it while making you feel diversified, which is the dangerous combination.
The exact figure changes every month as funds buy and sell. The ranges here are what these category combinations typically show. For your actual funds I pull this month's published portfolios and work it out properly.
Find your mix
Five questions about your timeline and how you handle a fall. You get a starting split across equity, debt and gold — the same framework I use when I build a proposal.
Answer the questions
This is a model allocation, not advice for your situation. Your income, loans, insurance, taxes and what you already hold all change it — that is what the call is for.
Run the numbers before you invest
Free, no sign-up, nothing saved. Drag the sliders and watch what changes.
How we start
A 20-minute call
Your goals, timelines, what you already hold, and how much you can invest comfortably. No pitch.
A two-page proposal
In the language you prefer. Which goal, which mix, which scheme, how much per month, and why.
Start, then review twice a year
Paperwork done online. After that, a written review every six months with any changes worth making.
Send me a message
Fill this in and it opens WhatsApp with your details ready. Or just say hi on Instagram.