AdvisoryOS
Overview Portfolio Financial plan Deep analysis
AOS
AdvisoryOS
Portfolio & Financial Health Report · Sample

What a data-driven
advisor review looks like.

This is a representative sample report — holdings anonymised, amounts indicative. At a 1:1 advisory session, we produce this for your actual portfolio and financial situation.

Light review — sample
Anonymised · Mid-career investor
₹ [Anonymised]
AdvisoryOS · SEBI RIA

This sample is for illustrative purposes only and does not constitute investment advice. Actual advice requires suitability assessment, risk profiling, and a signed Investment Advisory Agreement as per SEBI (Investment Advisers) Regulations 2013.

Summary: A portfolio that has grown well — but carries three risks that are now worth addressing.

The portfolio shows strong absolute returns over the past 3 years. However, significant equity concentration in a single sector, a meaningful gap in protection cover, and an under-funded retirement corpus relative to lifestyle expectations are the three issues this review surfaces. The good news: all three are addressable with structured action.

Equity concentration — high Retirement corpus — behind track Insurance gap — ₹[X] uncovered Emergency fund — adequate Debt burden — manageable
01
Financial health
Where you stand — at a glance
Net worth health
72 /100
Assets comfortably exceed liabilities. Equity-heavy allocation.
Cash flow score
61 /100
Surplus exists but EMI burden leaves limited flexibility.
Protection score
38 /100
Significant life and health cover gaps relative to income.
Retirement readiness
54 /100
Behind target corpus for stated retirement age and lifestyle.
Scores are computed from inputs provided during the intake session. They are indicators, not absolute ratings. Full methodology available on request.
02
Portfolio review
Current holdings — structure & concentration
Current allocation
Equity sector exposure
Holding Allocation 3Y return Adviser view Action signal
Large-cap index fund (direct)
Equity · Passive
 18%+14.2% Core holding. Efficient and tax-smart. Hold
Mid-cap fund — Scheme [A]
Equity · Active
 12%+22.1% Strong performance. Watch expense ratio. Hold
Banking sector fund
Equity · Sectoral
 11%+6.8% Underperforming peers. Adds concentration. Review
Stock — [Anonymised, large-cap IT]
Direct equity · Single name
 16%+31.4% Significant concentration — we would suggest a structured partial exit to reduce single-stock risk to below 10%. Unlocks in full report
Stock — [Anonymised, mid-cap infra]
Direct equity · Single name
 9%+48.2% Strong run. Valuation now stretched vs sector. Partial profit booking worth considering. Unlocks in full report
Short-duration debt fund
Debt · Liquid
 14%+6.1% Appropriate. Acts as tactical reserve. Hold
Gold ETF
Commodity
 6%+11.3% Good hedge. Consider sovereign gold bond for tax efficiency at next opportunity. Hold
Fixed deposit (bank)
Debt · Guaranteed
 9%+6.5% At your tax bracket, debt fund or arbitrage fund may be more efficient. We model this in the full review. Unlocks in full report
Cash / sweep account
Liquid
 5%+3.2% Above comfortable idle level. Can be deployed tactically. Review
Total 100%
⚠ Risk — concentration
25% in two direct stocks
Two anonymised direct equity names together represent 25% of the total portfolio. A single adverse development in either name — earnings miss, regulatory action, management change — creates meaningful portfolio impact.
25% single-name exposure (safe threshold: <10% each)
⚠ Risk — sector tilt
42% of equity in financials & IT
Combined sectoral exposure to financials (banking fund + names) and IT exceeds 40% of total equity allocation. This is above comfortable diversification levels and creates correlated downside risk.
42% sector concentration (safe threshold: <25%)
ⓘ Observation — tax drag
FD interest taxed at slab rate
The bank FD allocation generates interest income taxed at your marginal slab rate. For the same risk profile, an arbitrage fund or short-term debt fund structure could reduce effective tax on this portion.
~1.2% estimated annual tax drag vs alternatives
✓ Strength
Core equity allocation well-structured
The index fund and short-duration debt fund combination creates a clean, low-cost core. The gold allocation provides a meaningful inflation hedge. Emergency fund is adequately funded.
32% in low-cost, well-structured core holdings

Rebalancing recommendations — specific actions

Based on your current allocation, concentration risk, and tax situation, we recommend the following rebalancing actions in priority order:

ActionHoldingAmountRationale
Partial exitStock A₹ ——Reduce to 8% of portfolio
SwitchBank FD → Arb fund₹ ——Tax efficiency
🔒
Specific rebalancing actions, exact amounts, and our conviction rationale are included in the full paid report.
03
Financial plan
Life goals, funding gaps & cash flow

Life goals — funding status

Today
Current net worth
₹[X]
2 years
Child's school upgrade
₹8L
5 years
Home upgrade / renovation
₹35–50L
12 years
Child's higher education
₹40L est.
20 years
Retirement
₹4.8Cr req.
Retirement corpus — required
₹4.8 Cr
At 6% inflation, for 25-year retirement from age 60. Assumes ₹1.2L/month expenses today.
Retirement corpus — projected
₹3.1 Cr
At current SIP rate and 10% base-case return. Gap: ₹1.7 Cr. Bridgeable with ~₹18K/month additional SIP.
Insurance — life cover gap
₹1.2 Cr
Current cover: ₹50L. Required (10x income): ₹1.7 Cr. Gap: ₹1.2 Cr. Annual premium est.: ₹14–18K.

Monthly cash flow — current picture

Total income (take-home)
₹[X]/mo
Fixed living expenses
−₹[X]/mo
EMI obligations
−₹[X]/mo
Current SIP / investments
−₹[X]/mo
Deployable surplus
₹[X]/mo
Cash flow amounts are anonymised in this sample. In your actual report, these reflect the figures you share with us during the intake session. The EMI burden and surplus available for deployment directly drive the recommended SIP increase and goal-funding strategy.
04
Deep analysis — paid tier
What the full report adds
Global & offshore
LRS & offshore allocation analysis
For clients with RSUs in foreign currency or income in USD/EUR — we model the optimal LRS deployment, currency hedge logic, and GIFT City vs direct route comparison. With partner global research desks.
Tax optimisation
Harvesting & restructuring plan
Portfolio-level tax loss harvesting opportunities, LTCG vs STCG timing, switching to direct plans, FD-to-debt-fund migration. Modelled with your tax slab — coordinated with your CA.
Insurance architecture
Full protection review
Life, health, critical illness, and disability cover mapped against your income, liabilities, and dependents. Specific term plan recommendations with partner insurer rate comparisons.
Alternative assets
REITs, InvITs, and unlisted access
For portfolios above ₹1 crore — we assess REITs, InvITs, structured products, and select unlisted opportunities as diversifiers. With partner alternative asset research.
Curious about your own situation?

This is what a review
looks like for you.

The sample above is built on anonymised, representative data. Your actual review is built on your real portfolio, your specific tax situation, your family's goals — and discussed with you directly.

What a full engagement covers:

  • Specific rebalancing actions with reasoning and sequencing
  • Stock-level conviction — hold, trim, or exit with our view
  • Tax efficiency plan mapped to your slab and portfolio
  • Global allocation analysis for RSUs or offshore income
  • Insurance gap — exact cover needed
  • Implementation guidance — not just what, but how
Advisory services are launching soon. Leave your details and we will reach out when we are ready to take on clients — or if you would like an early conversation.

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Important disclosures — SEBI RIA

This report is prepared by [Your Name], SEBI Registered Investment Adviser (Registration No. [INA XXXXXXX]). This document is for informational and illustrative purposes only and does not constitute investment advice under the SEBI (Investment Advisers) Regulations, 2013. Formal investment advice is provided only after execution of an Investment Advisory Agreement and completion of risk profiling and suitability assessment as required under SEBI regulations. Past performance of any investment or strategy is not indicative of future results. Investments in securities markets are subject to market risks. Please read all related documents carefully before investing. The adviser does not earn commissions from any product recommended. Fee structure is disclosed in the advisory agreement. Grievance redressal: [Your email] · SEBI SCORES portal · BSE IAASB platform.