What a portfolio review looks like at Dhansanchay
People ask us what a portfolio review involves. They expect spreadsheets, performance charts, and a recommendation to buy something. What they get is a conversation.
A typical Dhansanchay review takes forty-five minutes to an hour. We begin with life, not with money. Has anything changed? A new job? A child's school decision? A parent's health? A property plan? A change in income or expenses? These questions come first because they determine whether the portfolio needs to change — not the market.
Then we look at the portfolio. Not at daily returns — at structure. Is the asset allocation still aligned to the family's goals and timeline? Has any fund drifted significantly from its mandate? Are there overlaps that need consolidation? Is the SIP step-up due? Is the emergency fund intact? Are nominations current?
We check protection. Is the life cover still adequate — or has a new EMI, a new child, or a change in income altered the requirement? Is the health cover keeping pace with medical inflation? Are policies in force, premiums paid, and renewal dates tracked?
And then — only then — we discuss whether any action is needed. In most reviews, the answer is: not much. The SIP continues. The step-up happens. The allocation holds. We confirm, we document, we move on.
The best reviews are the boring ones — where the plan is still the right plan and the only action item is to keep going. Those reviews take twenty minutes. They are the ones that compound.
If this sounds like your dining-table conversation, you are already halfway to structure. Treat this as a checkpoint on behaviour and systems. Products change; the habit of clarity usually does not. Written for general education — not as individual investment, tax, or legal advice.