WHAT AN ANNUAL PORTFOLIO REVIEW ENTAILS

■ Get a consolidated account statement ■ Check asset allocation to different asset classes ■ Check allocation to large-, mid- and small-cap funds ■ If asset allocation has changed, rebalance your portfolio ■ You may sell a portion of the assets that have outperformed; invest new money into asset classes that are underperforming ■ If you have invested via SIP, be careful about calculating the holding period for judging tax impact and exit load