Scheme overlap
Six equity funds holding largely the same thirty stocks is a common and expensive way to feel diversified. We check the actual overlap.
Services
A second opinion, honestly given
Ever been asked why you own a particular fund and not had a real answer? Most portfolios accumulate rather than get built. This is the process of finding out what’s actually in yours.
What this covers
What the review looks at
Free, and with no expectation that you move anything.
Allocation versus intent
What you said you wanted versus what the portfolio has quietly become after three years of market movement.
Benchmark comparison
A 12% return reads well until the benchmark did 15%. We show the comparison that matters rather than the headline number.
Active and index mix
Where an actively managed scheme is earning its expense ratio and where an index fund would do the same job for less.
Tax cost of any change
Capital gains impact on every proposed switch, calculated before it’s recommended — not discovered afterwards.
What’s missing
Often the more useful finding. No debt allocation, no emergency buffer, or a goal with nothing assigned to it.
Why Advaya
How we handle it
- No pressure to move anythingSometimes the honest answer is that your portfolio is fine. We’ll say that.
- Rules, not reactionsAny rebalancing we suggest runs off pre-agreed triggers — such as allocation drifting past a set band — rather than last week’s news.
- You keep the findingsWhether we talk it through on a call or send it across, the conclusions are yours either way.
- Moving is simple if you want toIf you do decide to move across, we handle the paperwork and walk you through each step.