Investor Corner/Staying the course/Bringing It All Together
6.2.6 Putting the Whole Portfolio Together
Mutual funds, NPS, PPF, deposits, gold and REITs should be viewed together as one single portfolio. Looking at each in isolation, disconnected from the others, tends to create accidental concentration or unintended, unnecessary risk that goes unnoticed.
Why viewing assets separately tends to distort the true picture
An investor might feel genuinely comfortable with their mutual fund equity allocation when considered entirely on its own, without realising that their PPF, NPS and various fixed deposits, once all properly added together, already provide a very large, dominant debt allocation for their overall financial situation. Without deliberately consolidating everything into one single, complete view, this kind of accidental overall imbalance can persist for years, entirely unnoticed.
Where hidden concentration most commonly creeps in
A common, easily overlooked pattern is unknowingly holding heavy exposure to the same handful of large, well-known companies across several different mutual funds and even some direct equity holdings simultaneously, none of which is individually obvious when each specific fund's factsheet is examined in isolation, but which becomes clearly and immediately visible only once every holding is properly aggregated together in one place.
What a genuinely unified view actually enables
Only once every single asset, across every account, institution and asset class, is properly brought together into one consolidated view can an investor meaningfully answer basic but genuinely important questions: what is my true overall equity-debt-gold split, right now, and how concentrated am I really in any single company, sector, or fund house, once everything is properly and fully accounted for together?
How PriLytics helps. This exact consolidation is the entire core purpose PriLytics is built around: bringing every asset class you own into one single, accurate, consolidated view. See your whole portfolio.