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Action checklists for better investing decisions

Structured lists you can use during onboarding, portfolio audits, annual reviews, and goal exits.

New Investor 30-Day Checklist

Investors starting their first mutual fund portfolio.

  • Define top three goals and expected target years.
  • Set emergency liquidity reserve outside high-volatility funds.
  • Pick risk profile based on worst-case comfort, not best-case optimism.
  • Start SIP and set auto-step-up reminder for next year.
  • Schedule quarterly review dates on calendar.

Portfolio Audit Checklist

Investors with 3+ funds across categories.

  • Compare actual allocation against target bands.
  • Check overlap in top holdings across similar funds.
  • Review risk-adjusted consistency instead of recent returns only.
  • Confirm each fund has a clear role in portfolio.
  • Rebalance only if drift exceeds predefined limits.

Goal Exit Checklist

Investors nearing major withdrawals for planned goals.

  • Calculate required withdrawal amount and schedule.
  • Gradually shift near-term corpus to lower volatility sleeves.
  • Account for taxes and loads before final redemption amount.
  • Retain contingency buffer for timing uncertainty.
  • Document redemption sequence before execution week.

Annual Review Checklist

Long-term investors doing yearly financial reset.

  • Increase SIP based on annual income changes.
  • Refresh goal corpus estimates with inflation updates.
  • Review insurance and emergency reserve adequacy.
  • Check whether risk profile changed due to life events.
  • Consolidate dormant or duplicate fund positions.

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