Investment Dashboard
Welcome back, John Doe. Here's your portfolio summary.
Total Assets
Total Liabilities
Net Worth
Asset Allocation
Assets vs Liabilities
Recent Transactions
View All| Date | Asset | Type | Amount |
|---|---|---|---|
| May 15, 2023 | HDFC Bank | Buy | ₹25,000 |
| May 12, 2023 | Govt. Bond | Buy | ₹50,000 |
| May 10, 2023 | Reliance | Sell | ₹30,000 |
| May 5, 2023 | Gold ETF | Buy | ₹15,000 |
Portfolio Performance
Your Assets
Comprehensive view of all your investment assets
Total Assets
₹25,75,000
Change since last quarter
Equity
30%Stocks, Mutual Funds, ETFs
Debt
25%Bonds, Fixed Deposits, Debt Funds
Hybrid
15%Balanced Funds, Multi-Asset Funds
Real Estate
12%Property, REIT Investments
Gold
10%Physical Gold, Gold ETFs, SGBs
Cash
8%Savings, Liquid Funds, Cash
Top Assets by Value
| Asset Name | Category | Value | Allocation | Return |
|---|---|---|---|---|
|
HDFC Bank Ltd.
|
Equity | ₹2,50,000 | 9.7% | +12.8% |
|
Apartment, Bangalore
|
Real Estate | ₹2,25,000 | 8.7% | -2.1% |
|
Government Bond 2028
|
Debt | ₹2,00,000 | 7.8% | +6.2% |
|
Physical Gold
|
Gold | ₹1,80,000 | 7.0% | +3.5% |
|
Nifty 50 Index Fund
|
Equity | ₹1,75,000 | 6.8% | +8.2% |
|
ICICI Balanced Advantage Fund
|
Hybrid | ₹1,50,000 | 5.8% | +5.9% |
|
HDFC Savings Account
|
Cash | ₹1,20,000 | 4.7% | +0.0% |
Your Liabilities
Manage and track all your financial obligations
Total Liabilities
₹8,50,000
Reduction since last quarter
Debt-to-Income Ratio
Home Loan
60%Interest Rate
7.2% p.a.
Monthly Payment
₹21,500
Term Remaining
18 years, 3 months
Next Payment
Jun 5, 2023
Car Loan
20%Interest Rate
8.5% p.a.
Monthly Payment
₹5,800
Term Remaining
2 years, 8 months
Next Payment
Jun 12, 2023
Personal Loan
15%Interest Rate
12.5% p.a.
Monthly Payment
₹4,200
Term Remaining
3 years, 1 month
Next Payment
Jun 18, 2023
Credit Card
5%Interest Rate
24% p.a.
Minimum Payment
₹1,000
Credit Limit
₹1,50,000
Payment Due
Jun 22, 2023
Upcoming Payments
| Liability | Due Date | Amount | Status |
|---|---|---|---|
|
Home Loan
|
Jun 5, 2023 | ₹21,500 | Upcoming |
|
Car Loan
|
Jun 12, 2023 | ₹5,800 | Upcoming |
|
Personal Loan
|
Jun 18, 2023 | ₹4,200 | Upcoming |
|
Credit Card
|
Jun 22, 2023 | ₹42,500 | Upcoming |
Debt Reduction Plan
Focus on paying off small debts first for quick wins
Increase monthly payment to ₹15,000 to eliminate high-interest debt
After credit card, redirect funds to increase personal loan payment
Focus on car loan after personal loan is paid off
Debt-Free Projection
Refinance Opportunities
| Loan Type | Current Rate | Available Rate | Potential Savings | Action |
|---|---|---|---|---|
|
Home Loan
|
7.2% | 6.5% | ₹2,80,000 | |
|
Personal Loan
|
12.5% | 10.8% | ₹18,500 | |
|
Credit Card
|
24.0% | 16.9% | ₹3,200 |
Asset Classes
Detailed breakdown of your investments by asset class
Equity
₹7,72,500
Debt
₹6,43,750
Hybrid
₹3,86,250
Real Estate
₹3,09,000
Gold
₹2,57,500
Cash
₹2,06,000
Asset Allocation
Equity
Current Value
₹7,72,500
YTD Return
+8.2%
1 Year Return
+12.5%
Since Inception
+46.8%
| Stock/Fund Name | Type | Quantity | Avg. Cost | Current Price | Value | Return |
|---|---|---|---|---|---|---|
|
HDFC Bank Ltd.
|
Large Cap | 150 | ₹1,450 | ₹1,667 | ₹2,50,050 | +15.0% |
|
Nifty 50 Index Fund
|
Index Fund | 850 | ₹190 | ₹205 | ₹1,74,250 | +7.9% |
|
Reliance Industries
|
Large Cap | 60 | ₹2,100 | ₹2,250 | ₹1,35,000 | +7.1% |
|
SBI Small Cap Fund
|
Small Cap | 400 | ₹250 | ₹285 | ₹1,14,000 | +14.0% |
|
Infosys Ltd.
|
Large Cap | 70 | ₹1,350 | ₹1,420 | ₹99,400 | +5.2% |
Equity Sub-class Distribution
Sector Analysis
Recommendations
Sector Rebalance
Consider reducing banking sector exposure and increasing allocation to healthcare and FMCG for better diversification.
Large Cap vs Small Cap
Your portfolio is overweight on large caps. Consider increasing allocation to quality mid and small cap companies for potential higher returns.
International Exposure
Your portfolio lacks international exposure. Consider adding 5-10% allocation to international equity funds to diversify geographically.
Portfolio Performance
Track your investment growth and performance metrics
Total Portfolio Value
Since investment
1 Year Return
Outperformed market by 1.2%
Risk Level
Volatility below market average
Est. Annual Dividend
Up from 2.8% last year
Portfolio Performance History
Performance Metrics
Asset Class Performance
Top Performers
Underperformers
Benchmark Comparison
| Time Period | Your Portfolio | Benchmark | +/- Benchmark |
|---|---|---|---|
| 1 Month | +1.2% | +0.8% | +0.4% |
| 3 Months | +3.5% | +2.9% | +0.6% |
| 6 Months | +5.1% | +4.2% | +0.9% |
| 1 Year | +8.5% | +7.3% | +1.2% |
| 3 Years | +28.2% | +22.6% | +5.6% |
| Since Inception | +42.8% | +35.4% | +7.4% |
* Benchmark: Custom allocation of Nifty 50, Nifty Midcap 100, G-Sec Index, and Gold Index
Performance Insights
Sector Rotation
Your portfolio has benefited from overweight positions in Banking and FMCG sectors which outperformed the broader market.
Risk Management
Your moderate risk profile has provided better risk-adjusted returns. The portfolio's beta of 0.85 indicates lower volatility than the market.
Dividend Performance
Your portfolio generates a healthy 3.05% dividend yield, providing regular income while maintaining growth potential.
Recommendations to Improve Performance
Consider rebalancing your real estate allocation, which has underperformed. You could redirect some funds to higher-performing equity segments.
Your cash allocation (8%) is slightly high in the current interest rate environment. Consider deploying some of this to dividend-yielding equities or bonds.
Given your strong performance relative to benchmarks, consider slightly increasing your exposure to small-cap funds which have shown excellent returns.
Investment Recommendations
Personalized suggestions to optimize your portfolio
Portfolio Health Score
Based on diversification, risk, performance, and financial goals
Recommended Investment Opportunities
| Investment | Category | Expected Return | Risk Level | Recommendation | Action |
|---|---|---|---|---|---|
|
Axis Bluechip Fund
Large Cap Equity
|
Equity | 10-12% | Moderate | Increase allocation to meet target | |
|
Bharat Bond ETF 2031
Government Bond
|
Debt | 6.8% | Low | Add to improve debt portfolio yield | |
|
HDFC Gold ETF
Gold
|
Gold | 7-9% | Moderate | Increase allocation as inflation hedge | |
|
Kotak Emerging Equity Fund
Mid Cap Equity
|
Equity | 12-15% | High | Add for growth exposure | |
|
Embassy Office Parks REIT
Real Estate Investment Trust
|
Real Estate | 8-10% | Moderate | Add for income and diversification |
Portfolio Optimization Suggestions
Asset Allocation Comparison
Suggested Adjustments
Increase Equity Allocation (+5%)
Focus on quality large-cap funds and add exposure to mid-cap for growth potential.
Reduce Debt Allocation (-3%)
Shift from low-yielding debt to better-performing debt instruments with slightly higher yield.
Reduce Real Estate Allocation (-2%)
Diversify away from physical real estate toward REITs for better liquidity and income.
Increase Gold Allocation (+2%)
Add Gold ETFs as an inflation hedge and portfolio diversifier in current market conditions.
Reduce Cash Allocation (-2%)
Deploy excess cash to income-generating assets in the current high interest rate environment.
Expected Benefits After Optimization
Market Trends
Rising Interest Rates
Bond yields may continue to rise as central banks combat inflation, affecting debt investments.
Equity Market Volatility
Increased volatility expected due to global macroeconomic concerns and valuation pressures.
Inflation Concerns
Persistent inflation may impact purchasing power, favoring real assets like gold and inflation-protected securities.
Tax Efficiency Recommendations
Maximize ELSS Investments
Utilize the full Section 80C limit (₹1.5L) through Equity Linked Savings Schemes for tax benefits.
Debt Fund Holding Period
Hold debt funds for more than 3 years to benefit from indexation and lower tax rates on long-term capital gains.
Consider SGB for Gold
Sovereign Gold Bonds offer tax-free capital gains if held till maturity, with additional interest income.
Goal-Based Recommendations
Retirement Planning
Long-termIncrease NPS contribution to ₹75,000 annually to maximize tax benefits and retirement corpus.
Children's Education
Medium-termIncrease SIP in balanced advantage funds to ₹20,000 monthly for education corpus building.
Home Purchase
Short-termAllocate ₹15,000 monthly to short-term debt funds for down payment accumulation.
Your Action Plan
| Action Item | Priority | Timeline | Expected Impact | Status |
|---|---|---|---|---|
|
Invest ₹1,00,000 in Axis Bluechip Fund
Increase equity allocation
|
High | Within 7 days | Improve growth potential | |
|
Invest ₹50,000 in Bharat Bond ETF
Optimize debt allocation
|
Medium | Within 14 days | Increase yield stability | |
|
Sell underperforming IT Sector Fund
Portfolio optimization
|
Medium | Within 14 days | Reduce underperformance | |
|
Invest ₹25,000 in HDFC Gold ETF
Increase gold allocation
|
Medium | Within 30 days | Improve inflation protection | |
|
Update SIPs for all recommended funds
Systematic rebalancing
|
High | Within 7 days | Maintain optimal allocation |