Performance Review
1. Absolute Returns:
- Compare with benchmark indices
- Evaluate against peer funds
- Assess risk-adjusted returns
- Review consistency over time
2. Relative Performance:
- Performance vs. category average
- Performance vs. similar funds
- Performance across market cycles
- Long-term track record analysis
Portfolio Analysis
Asset Allocation Review:
- Equity vs. debt balance
- Large cap vs. mid/small cap exposure
- Sector concentration
- Geographic diversification
Risk Assessment:
- Portfolio volatility
- Maximum drawdown analysis
- Beta and standard deviation
- Sharpe ratio evaluation
Cost Analysis
Expense Evaluation:
- Expense ratio comparison
- Exit load assessment
- Transaction costs
- Tax implications
Value for Money:
- Performance vs. costs
- Active vs. passive choice
- Index fund alternatives
- Cost-benefit analysis
Goal Alignment Check
Investment Objectives:
- Goal achievement progress
- Time horizon review
- Risk tolerance assessment
- Life stage changes
Rebalancing Needs:
- Target allocation vs. current
- Regular rebalancing schedule
- Tax-efficient rebalancing
- Threshold-based rebalancing
Conclusion
Regular portfolio review helps you stay on track with your financial goals. Consider reviewing your portfolio quarterly for short-term goals and annually for long-term investments.