★ BYLD Score: Balanced
Based on your BYLD Score and IPS profile, MIA has identified 4 actions to improve your portfolio.
Switch ₹5L from regular to direct plans
HIGH
Save ₹6,500/yr in expense ratio
5 funds in your portfolio are regular plans with higher expense ratios. Switching to direct plans gives you the same funds at lower cost.
Start ₹10K/mo SIP in international equity
HIGH
Your portfolio has 0% international exposure. A 10-15% allocation to global equities reduces country-specific risk and improves diversification.
Increase term cover by ₹50L
MEDIUM
Your current life cover is ₹50L against a recommended ₹2.4 Cr. This is a critical protection gap for your family.
Harvest ₹65K LTCG before March 31
HIGH
Save up to ₹8,200 in taxes
You have ₹65,000 in unrealized LTCG that falls within the ₹1.25L exemption. Book and reinvest before the financial year ends.
These recommendations are personalized based on your Investment Policy Statement (IPS), risk profile, and current portfolio composition. They are generated under advisory regulations and should be reviewed before execution.
SEBI RIA: INA000014252 | BASL: 1234