An alarming 57% people have portfolios with bad stocks. Think you're safe because you bought Mutual Funds? Think again… Because 43% have terrible mutual funds!

We know because we reviewed portfolios worth ₹17 crores over the past 7 months. But hey, we get it. It’s hard to pick quality stocks and mutual funds without proper help from experts. However, a portfolio is only as good as the investments in it.

All Your Investments = Your Portfolio

An investment portfolio is a collection of all the mutual funds, stocks, alternative assets, gold, etc. that you own. A healthy portfolio is considered to have the right mix of diverse assets and the right allocation.

Do I Need To Plan My Portfolio?

1. It’s a common misconception that you can build a portfolio by simply winging it. The truth is, building a portfolio takes careful planning with the help of a trained expert.
2. 
   The best way to understand the health of your portfolio is with a detailed portfolio analysis. That’s because investing isn’t a static activity. Your risk appetite and investment goals may change over time.

How Is My Portfolio Analysed?

• Evaluating your current portfolio
• Identifying investment objectives
• Understanding risk-reward trade-off
• Suggesting asset allocation

Finally, the last step is, *drum rolls*, portfolio analysis... again!

Getting your portfolio analysed every quarter can help you stay on top of your investments and assess whether they can keep meeting your goals. Most quarters, you may not have to make any change, but it's always good to get a check-up!

Cube Prime & Plus members get exclusive access to free portfolio planning & analysis. That will help you decide which investments you should hold on to, sell, or realign your SIPs.

Here's An Example Of How Portfolio Analysis Can Help

Cube user Akash from Amsterdam. Before joining Cube, Akash’s investments weren’t going to help him become a millionaire or retire early. Most investments were made based on popular opinion.

The returns were better than a bank account but weren't going to beat inflation or meet his money goals.

• Pre-Cube CAGR: 7.41%

But then...

Akash got his portfolio analysed by a Cube Wealth Coach who helped him rebalance his portfolio by recommending assets that set him up for future success. 

• Post-Cube CAGR: 29.67%  
 
Akash isn’t the only proud Cube member whose overall portfolio became better after getting an analysis. There are many more people who've Cubed their wealth 😎

Wealth creation is a marathon, not a sprint. Portfolio analysis is the frequent pitstop that you make during your journey to successfully reach the finish line.

Want your portfolio analysed? Speak to your wealth coach Barun! Barun has 10+ years of experience in Wealth & Finance industry in firms such as Citi Bank and HDFC Bank.

He is known for his subject expertise, portfolio creation, and honest advice. He is a Certified Financial Planner (CFP) and is AMFI, IRDA and NISM XA (Investment Adviser) certified. He has been part of Cube core team for last 2 Yrs.