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Insights that

Work for You


Demo User's

Master Portfolio Analysis Report

Generated on 28-Oct-2026

Table of Contents

Overview 2–4
Portfolio Summary 3
Risk Overview 4
Direct Stocks Analysis 5–9
Stock Diversification 6
Portfolio Distribution 7
Sector Diversification 8
Quality, Valuation and M. Cap Risk Analysis 9
Mutual Funds Analysis 10–14
Performance 11
Fund-Fund Overlap 12
Fund Concentration and Sector Diversification 13
Quality, Valuation and M. Cap Risk Analysis 14
Direct Stocks and Mutual Funds Combined Analysis 15–19
Top Stock Holdings 16
Sector Analysis 17
Quality–Valuation–Market Cap Mix Analysis 18
Fund-Direct Stock Overlap 19

Disclaimer

This research report is exclusively for Unauthorized use, reproduction, or distribution of this content is prohibited and may result in subscription termination without refund and legal action. This report is for the recipient's personal use only and does not constitute investment, legal, or tax advice.

Your Equity Portfolio Performance depends heavily on your direct stocks investments. You might be missing the benefits of mutual funds!

Demo User's

Age - 45 Years

Total Portfolio ₹ 1.67 Cr 11.41 Lac (7.06%)
Stocks ₹ 1.4 Cr 7.22 Lac (5.18%)
Mutual Fund ₹ 14.16 Lac 7.56 Lac (115%)
Debt & Cash   ₹ 2.42 Lac 73.56 K (43.73%)
Gold & Commodities   ₹ 10.09 Lac -4.1 Lac (-28.92%)
See Through Portfolio
Particulars Allocation % from
Direct Stocks
Allocation % from
Mutual Funds
Allocation % of
Total Portfolio
Market Value
Stocks 84.02% 7.97% 91.99% 1.53 Cr
Debt 0.00% 1.94% 1.94% 3.24 Lac
Gold & Commodity 0.00% 5.94% 5.94% 9.91 Lac
Others 0.00% 0.13% 0.13% 21.67 K

Total Equity Holding : Rs 1,54,35,666

Number of Stocks

76

Number of Equity Funds

40

Number of Sectors

22

Top Stock Holding

Top Sector Holding

Top MF Holding

Tail Stocks(DS)

HDFC Bank Ltd.

BFSI

57

13.79%

33.48%

5.45%

10.85%

Top Stock Holding

HDFC Bank Ltd.

13.79%
Top Sector Holding

BFSI

33.48%

Top MF Holding

5.45%

Tail Stocks(DS)

57

10.85%

Portfolio Summary

Direct Stocks Analysis
Aspect Results Key Insight Flag
Return
Diversification Needs Significant Improvement Over-diversified with 76 stocks.
Portfolio Strength Very Good Your portfolio strength is very good.
Distribution Needs Significant Improvement The portfolio is heavy on the Top 10 stocks.
Well-balanced mid section.

Consider adding more positions beyond Top 20.

Long tail - too many small positions.
Risk
Market Cap Risk Moderate You have Moderate market cap risk.
Stock Exposure Risk High You have 2 stock(s) exposure risk.
Sector Exposure Risk Moderate You have 1 sector(s) exposure risk.
Valuation Risk Low You have Low valuation risk.
Mutual Funds Analysis
Aspect Results Key Insight Flag
Return
Benchmark Outperformance Needs Significant Improvement
Most of your funds are underperforming their benchmark.
Returns Good Your fund portfolio has delivered an Avg. 3Yr rolling return of 16.46%.
Diversification Needs Significant Improvement Over-diversified as it has 27 funds with only 14.16 Lac AUM.
Risk
Market Cap Risk
Sector Exposure Risk
Overlap
Combined - Direct Stocks & Mutual Fund Analysis
Aspect Results Key Insight Flag
Return
Equity Asset Mix - Your Equity Portfolio Performance depends heavily on your direct stocks investments. You might be missing the benefits of mutual funds!
Portfolio Strength Very Good Your portfolio strength is very good.
Direct Stock – Mutual Fund Overlap
Risk
Market Cap Risk Moderate You have Moderate market cap risk.
Sector Exposure Risk Low Good conviction and sector diversification.

Your Equity Portfolio has

8

High-risk areas requiring immediate action.

3

Moderate risk areas that need attention.

6

Healthy and aligned with benchmarks.

Anything above 3 Red Flags can prove to be highly risky for your portfolio!

Every flag in your portfolio tells a story about the health of your investments. Ignoring them can lead

  • Missed opportunities for growth.
  • Increased risks during market downturns.
  • Long-term underperformance of your wealth-building journey.

How to tackle these flags?

You might need an investment advisor to leverage their expertise. They can help create a personalized investment portfolio tailored to your financial goals, risk tolerance, and life stage. With expert guidance, you can make informed investment decisions. This approach helps you potentially maximize returns while effectively managing risks.

How to choose the right one for you?

  1. Pick a SEBI-registered advisor to make sure they follow trusted regulations.
  2. Choose someone with experience to guide you with confidence.
  3. Make sure their advice matches your financial goals and how you want to invest.

If you would like to Schedule a Consultation Call with our
Investment Advisor

Omega by MoneyWorks4Me has over 15 years of experience in guiding smart investments. As a SEBI-registered Investment Advisor, we focus on your goals and create strategies that suit your needs. Our partner-with-expert model ensures you get professional guidance while staying in control of your investments. Being a fiduciary, we provide unbiased, research-backed insights to help you make informed decisions and grow your wealth with confidence.

Direct Stocks Analysis


Areas that need your attention:

  • Over-diversified with 76 stocks.
  • The portfolio is heavy on the Top 10 stocks.
  • Consider adding more positions beyond Top 20.
  • Long tail - too many small positions.
  • Moderate market cap risk.
  • You have 2 stock(s) exposure risk.
  • You have 1 sector(s) exposure risk.

Actions Required:

Stock markets are unpredictable, company performances fluctuate, and investment conditions keep changing. Without expert guidance, you risk making costly mistakes—missing profit opportunities or failing to manage risks effectively.
A dedicated expert helps you navigate these challenges.

Page 5

Your portfolio shows strong conviction in top sectors with good sector diversification.

Top 10 Sector Holdings

Mutual Fund Analysis


Areas that need your attention:

  • Most of your funds are underperforming their benchmark.
  • Your fund portfolio is Over-diversified.

Actions Required:

Investing in mutual funds is not automatically sahi nor is it as simple as it is made out to be. The main challenge in building a MF portfolio is avoiding fund overlap the main cause of poor diversification. Selecting funds based on past returns, which is the common practice, is an inadequate way of investing and likely to deliver mediocre returns going forward.

And investing lumpsum has even more challenges which cannot be addressed by SIP. When you have substantial MF investments you are better off working with a dedicated, fiduciary expert (so you benefit by investing in Direct Plans only) and optimize your MF portfolio to deliver good returns throughout the tenure of your investment.

Page 10

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Direct Stocks & Mutual Fund


Areas that need your attention:

  • Your Equity Portfolio Performance depends heavily on your direct stocks investments. You might be missing the benefits of mutual funds!
  • Moderate market cap risk.

Actions Required:

Investing in stocks and mutual funds is potentially the best way to invest in equity. You could get the best of both which is essential when you have a large portfolio. You may be uncomfortable investing all your savings in stocks directly or 100% in mutual funds.

However, building and managing a combined DS+MF portfolio has additional complexities. An advisor with deep understanding of investing in both and a simplified decision making process that you understand once explained enables you to get the best of both worlds.

Page 15

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About MoneyWorks4Me

MoneyWorks4Me has been helping investors make better investment decisions since 2008.

MoneyWorks4Me Investment Advisers is the trade/brand name of The Alchemists Ark Pvt. Ltd., a SEBI-registered non-individual Investment Adviser (Registration No. INA000013323).

We began in 2008 as an equity research company, helping investors identify high-quality Indian businesses and understand what they were worth through deep fundamental research and intrinsic-value-based investing.

Over time, we learnt that successful investing requires much more than identifying good stocks.

Investors also need to know how much to invest, how to allocate money across different assets, how to construct a strong portfolio, when to act and, equally importantly, when not to.

That understanding shaped our evolution from an equity research company into a broader investment company built around research, portfolio strategy, technology and human judgement.

One Investing Philosophy. Different Ways to Benefit From It.

Today, our capabilities extend across Indian direct equities, mutual funds, global equities, fixed income, gold and REITs and other suitable investment opportunities.

We do not see these as separate investment products. They are different building blocks of one portfolio.

The starting point is the investor: their goals, required returns, time horizon, ability to take risk and the role each asset needs to play.

Asset allocation determines where the money should go.Research and valuation guide what we own. Portfolio construction determines how much we own.Periodic review and rebalancing help keep the portfolio aligned with its purpose.

This investment philosophy is applied in different ways across MoneyWorks4Me.

Through Omega Freedom and Omega Legacy, we work closely with investors who want comprehensive investment advice and guidance in managing their portfolios.

Through Third Rock Wealth, we bring the same investment thinking and research depth to investors who prefer mutual funds as their route to wealth creation.

Research at the Core

We look at business quality, financial strength, competitive advantage, management, growth prospects and risks. But we always consider these alongside valuation.

A good company does not automatically make a good investment at every price.

Our Quality-at-a-Reasonable-Price approach seeks to bring quality and valuation together.

Start With the Portfolio

We do not begin by asking which stock, fund or asset looks attractive.

We begin by asking what the portfolio needs.

Indian equities may provide long-term growth. Global equities can broaden diversification. Fixed income can provide stability and liquidity. Gold has a different role to play.

Every investment should earn its place in the portfolio.

Focus on Process, Not Prediction

Markets cannot be predicted consistently. A sound investment process can be followed consistently.

We therefore focus on what can be controlled: asset allocation, quality, valuation, diversification, position sizing, risk management, review and taking action when required.

Let Compounding Do the Heavy Lifting

Long-term wealth is not created only by finding investments with spectacular returns.

It comes from putting money to work intelligently, earning satisfactory inflation-beating returns across the portfolio and staying invested long enough for compounding to make a meaningful difference.

Technology Has Always Been Part of MoneyWorks4Me

Technology has been integral to MoneyWorks4Me from the beginning, from our financial X-Rays and valuation tools to portfolio analytics and research systems.

Over the years, we have accumulated company research, financial data, valuation work, investment frameworks and insights.

The aim is to make it easier for investors and our teams to work with years of MoneyWorks4Me research, data and investment thinking.

It is not intended to replace human judgement.

Investing still involves context, uncertainty and decisions for which there is not always an obvious answer.

Investors Should Understand Why

Our advisory business operates in a fiduciary capacity, and the investor's interests come first.

We believe investors should understand the reasoning behind important investment decisions rather than simply follow recommendations.

That is the thinking behind our Do-It-With-Me approach.

It is designed to help investors remain in control of their money while benefiting from professional research, process and perspective.

Our Vision

Our vision is to build a trusted, research-powered investment company that helps investors make calm, informed and well-reasoned decisions throughout their investing journey.

Markets will change. Investment opportunities will change. Technology will change how investors access information and advice.

But the principles of successful investing are far more enduring:own quality assets at sensible prices, build portfolios intelligently, manage risk and give compounding enough time to work.

That is the investment discipline MoneyWorks4Me has been building since 2008 and continues to strengthen for the future.