1How many mutual funds should I actually own?+
Diversification benefits typically max out around 8–10 well-chosen, non-overlapping funds; beyond that you dilute returns and add cost.
2What is portfolio overlap and why does it hurt me?+
Multiple funds holding the same top stocks = paying several expense ratios for one Nifty-like exposure. SEBI now caps overlap for thematic/sectoral funds for this reason.
3What's "idle cash drag"?+
Un-deployed cash sitting in your portfolio loses the compounding it should be earning; a review identifies and redeploys it.
4Isn't more funds = safer?+
No. Real diversification is purposeful, non-overlapping exposure — not owning something from every shelf.
5What does a Cube Wealth Coach actually do?+
Reviews your full portfolio, flags overlap/concentration/idle cash, and plans tax-smart exits — a human, not a bot or a salesperson tied to one fund house.
6What is the 25% rule?+
If a single asset exceeds 25–30% of your portfolio, Cube proactively advises rebalancing.
7How is Cube different from free investing apps?+
Curation-first + WealthFirst RIA expertise + weekly (not hourly) guidance; we say "No" to products that don't pass risk review.
8Is the Portfolio Health Check really free?+
Yes; share your CAS or book a call. [Standard disclaimer to be inserted here]
