Portfolio Review Services | Investment Analysis & Optimization

Optimize Your Investment Portfolio

Is your investment portfolio performing to its full potential? Many investors hold underperforming assets, pay unnecessary fees, or carry hidden risks without realizing it.

At Wealth & Beyond, our comprehensive portfolio review services provide a detailed analysis of your current investments, identifying opportunities for improved returns, risk reduction, and cost optimization. With our expert evaluation, you'll gain clarity on your investment health and receive actionable strategies to enhance your financial outcomes.

Performance Analysis

Benchmark against market indices

Risk Assessment

Identify hidden risks & concentrations

Cost Optimization

Reduce fees & improve efficiency

Actionable Insights

Clear, implementable recommendations

Why Regular Portfolio Reviews Are Essential

Professional portfolio analysis uncovers hidden opportunities and risks that impact your financial success

Uncover Hidden Risks & Opportunities

Identify concentration risks, sector overexposure, performance gaps, and hidden fees that impact your returns. Our analysis reveals what's working and what needs improvement.

Prevent Common Investment Mistakes

Avoid emotional investing, diworsification, style drift, and legacy holdings that undermine your strategy. Get objective analysis to make informed decisions.

Align Investments with Life Changes

Adapt your portfolio as you approach retirement, experience life changes, or face evolving market conditions. Ensure your investments support your current goals.

Our Portfolio Review Methodology

A comprehensive, five-phase approach to thoroughly analyze and optimize your investment portfolio

Phase 1: Comprehensive Data Collection & Analysis

Thorough examination of your complete investment picture:

Current asset allocation across all accounts
Investment performance tracking and benchmarking
Cost and fee analysis (expense ratios, advisory fees)
Tax lot analysis and cost basis examination
Risk metrics calculation and analysis

Phase 2: Risk Assessment & Alignment

Evaluating your portfolio's risk profile:

Risk tolerance vs. risk capacity analysis
Volatility measurement and stress testing
Correlation analysis between holdings
Liquidity assessment and emergency fund adequacy
Insurance and protection gap analysis

Phase 3: Performance Evaluation & Benchmarking

Objective assessment of investment returns:

Time-weighted and money-weighted return calculations
Appropriate benchmark selection and comparison
Peer group performance analysis
Risk-adjusted return evaluation
Attribution analysis (allocation vs. selection effects)

Phase 4: Cost & Tax Efficiency Analysis

Identifying savings opportunities:

Total cost of ownership calculations
Tax-loss harvesting opportunities
Asset location optimization recommendations
Tax-efficient fund replacement suggestions
Required Minimum Distribution planning

Phase 5: Actionable Recommendations & Implementation

Clear, executable improvement strategies:

Specific buy/sell/hold recommendations
Rebalancing strategy and timeline
Tax optimization implementation steps
Cost reduction action items
Ongoing monitoring framework

Common Issues We Identify in Portfolio Reviews

Our analysis frequently uncovers these common problems that impact investment performance

Overconcentration

Too much exposure to single stocks or sectors, creating unnecessary risk and volatility in your portfolio.

Style Drift

Investments that no longer match your risk profile or have drifted from their stated objectives.

Hidden Costs

Fees and expenses that silently reduce your net returns without providing corresponding value.

Tax Inefficiency

Missed opportunities for tax optimization and inefficient asset location across accounts.

Performance Drag

Underperforming holdings that negatively impact your overall portfolio returns.

Redundancy

Overlapping funds with similar holdings that don't provide true diversification benefits.

Types of Portfolios We Review

Comprehensive analysis services for all types of investment portfolios

Individual Investment Portfolios

Comprehensive analysis for personal investors:

Equity and mutual fund portfolios
Retirement accounts (PPF, NPS, EPF)
Direct stock investments and trading accounts
Real estate and alternative investments
Fixed income and bond holdings

Retirement Portfolio Reviews

Specialized analysis for retirement planning:

Retirement account allocation optimization
Withdrawal strategy assessment
Required Minimum Distribution planning
Longevity risk management
Healthcare cost funding analysis

Business & NRI Portfolios

Specialized investment analysis:

Corporate treasury management
Business reserve fund optimization
NRE/NRO account investment review
FEMA compliance verification
International tax optimization

Our Portfolio Review Deliverables

Comprehensive reporting and actionable insights you can implement immediately

Comprehensive Review Report

Detailed analysis document with executive summary, current portfolio snapshot, performance attribution, risk assessment, and specific actionable recommendations.

Visual Analytics & Dashboards

Easy-to-understand visual representations including asset allocation charts, performance trends, risk-return scatter plots, and cost breakdown visualizations.

Personalized Action Plan

Step-by-step implementation guide with priority-based recommendations, tax considerations, account-specific action items, and monitoring schedule.

Our Portfolio Review Success Metrics

Proven results that demonstrate the value of professional portfolio analysis

2.1%

Average Improvement

In annualized returns post-review

27%

Cost Reduction

Average reduction in portfolio costs

92%

Implementation Rate

Clients implement recommendations

1,200+

Portfolios Reviewed

In the past 5 years

Specialized Review Services

Targeted analysis for specific investment situations and requirements

Retirement Portfolio Health Check

Focused analysis for pre-retirees and retirees:

Withdrawal strategy sustainability testing
Longevity risk assessment
Healthcare cost funding analysis
Legacy planning integration
RMD optimization

ESG Portfolio Alignment Review

Values-based investment analysis:

ESG compliance and alignment verification
Impact measurement and reporting
Values drift identification
Sustainable alternative recommendations
Impact performance benchmarking

Concentrated Position Review

Specialized analysis for large single holdings:

Diversification strategy development
Tax-efficient unwinding plans
Hedging strategy evaluation
Charitable giving optimization
Estate planning integration

Portfolio Review Success Stories

Real results from our comprehensive portfolio analysis approach

Case Study: Cost Reduction & Performance Enhancement

Client Profile: IT professional with ₹2.5 crore portfolio

Initial Findings: 12 overlapping mutual funds, 1.8% total costs, sector concentration

Our Solution: Consolidated to 6 core funds, reduced costs to 0.7%, improved diversification

Results: ₹4.5 lakh annual cost savings, 2.3% improved returns in first year

Case Study: Retirement Portfolio Optimization

Client Profile: Couple nearing retirement with ₹4 crore portfolio

Initial Findings: Overly aggressive allocation, insufficient income focus, tax inefficiency

Our Solution: Gradual derisking strategy, income portfolio construction, tax optimization

Results: Sustainable 5% withdrawal rate with 90% probability of success

Frequently Asked Questions

Get answers to common questions about portfolio review services

We recommend annual comprehensive reviews for most investors, with quarterly check-ins for significant market changes or life events. High-net-worth and active investors may benefit from semi-annual reviews.

You'll need recent account statements for all investment accounts, cost basis information, and details about your financial goals and risk tolerance. We provide a complete checklist to make the process easy.

Most comprehensive reviews are completed within 10-14 business days from receiving all required documents. Complex portfolios with multiple accounts or alternative investments may require additional time.

Many clients use our review service as an independent second opinion. We respect existing relationships and can provide recommendations that your current advisor can implement, or work collaboratively with them.

Absolutely! We regularly review multi-custodian portfolios and can provide consolidated analysis across all your accounts, giving you a complete picture of your overall investment strategy and performance.

This website is for informational purposes only and complies with ICAI guidelines. Client confidentiality is strictly maintained.

Portfolio Review