Wealth Desk | Portfolio Review & Ongoing Advisory — Peacock Wealth Management, Chennai

Your Dedicated Advisory Desk

A Portfolio That's Never Left Alone

Most investors — even those who have done initial planning — leave their portfolio largely unattended after the first year. SIPs run on autopilot. Markets move. Allocations drift. Tax opportunities pass unnoticed. A fund manager changes. A once-excellent fund underperforms for two years. And the investor, busy with life, is the last to know.

The Peacock Wealth Desk is your antidote to this neglect. It is an ongoing advisory engagement — not a one-time plan — where a dedicated advisor actively monitors your portfolio, flags developments that require action, executes reviews on schedule, and provides on-demand advisory whenever significant financial decisions arise.

Think of it as having a professional, conflict-free financial advisor on call — someone who knows your portfolio in detail, understands your goals, and proactively reaches out when your portfolio needs attention rather than waiting for you to remember to call.

Illustrative Wealth Desk Dashboard

All Goals On Track

Total Portfolio Value

₹1.84 Cr

Across all asset classes

XIRR Since Inception

14.2%

vs Benchmark 12.1%

Retirement Goal Progress

72%

Funded · 18 yrs remaining

Current Asset Allocation

68:22:10

Equity : Debt : Gold

⚠️Equity allocation at 68% — 3% above target. Consider rebalancing next quarter.

📋₹1.25L LTCG exemption not yet harvested this FY. Review before March 31.

✅All SIPs running. Education fund on track. Term insurance review due December.

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Proactive, Not Reactive

We reach out to you when something needs attention — not the other way around. Whether it's a rebalancing trigger, a tax opportunity, a fund manager change, or a market event relevant to your portfolio, you hear from us first.

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Goal-Referenced, Not Market-Referenced

Every portfolio review is anchored to your goals — not market performance. The question is not "did we beat the Sensex?" but "is retirement on track, is education funded, is the plan working?" These are completely different questions with more meaningful answers.

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Attribution, Not Just Returns

We analyse why returns happened — which asset classes contributed, which detracted, whether outperformance is sustainable or lucky. This attribution analysis drives intelligent forward-looking decisions rather than naive backward-looking judgement.

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Continuous Tax Optimisation

Tax opportunities don't announce themselves. LTCG harvesting, tax-loss selling before year-end, regime selection, and efficient fund switches require year-round monitoring and timely action. We do this systematically so you don't leave money with the government that belongs to you.

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Behavioural Guardrail

When markets fall 25% and every instinct says sell, your Wealth Desk advisor is the calm voice that grounds the decision in your actual goal status, provides context, and ensures fear doesn't convert a paper loss into a permanent one. This is where ongoing relationships earn their keep.

Review Structure

A Structured Cadence — From Daily Monitoring to Annual Deep Review

Our Wealth Desk operates across four time horizons — ensuring your portfolio is watched daily and reviewed comprehensively at regular intervals.

Continuous 👁️

Portfolio Monitoring

Active surveillance of your portfolio and the market — not to react to every fluctuation, but to identify events that genuinely require action or communication.

Fund manager changes at held AMCs

Significant NAV divergence from category

Credit events in debt fund holdings

Allocation bands — rebalancing triggers

Regulatory changes affecting holdings

Quarterly 📊

Portfolio Health Review

Formal quarterly review — covering portfolio performance, goal progress, allocation drift, and tactical recommendations. Delivered as a structured report with clear action items.

XIRR calculation vs benchmarks

Goal progress status for all goals

Asset class performance attribution

Rebalancing recommendation

Fund performance vs category peers

Annual 📐

Comprehensive Wealth Review

The full annual review — covering the complete wealth plan, not just the portfolio. All five pillars reviewed and updated for the year ahead.

Full goal review and corpus update

Insurance coverage audit

Tax regime re-evaluation

SIP amounts adjusted for income growth

Estate planning review

New goals identified and quantified

On-Demand 📞

Life Event Advisory

Available throughout the year for significant financial decisions — no appointment needed for the conversations that matter most. Same-day or next-day response guaranteed.

Job change, salary revision, bonus

Property purchase or sale

Inheritance or windfall received

Marriage, divorce, new child

Business sale or capital event

Market corrections — "Should I act?"

How We Conduct a Portfolio Review

Seven-Point Portfolio Health Assessment

A Peacock portfolio review is not a printout of fund returns. It is a structured, seven-point assessment that answers the question: "Is this portfolio working toward the goals it was designed for — and is everything in good health?"

Each review results in a written report with a health status for each point, specific action recommendations, and a priority queue for implementation. Nothing falls through the cracks.

Goal Progress Assessment

Each goal's current funding status — corpus accumulated vs. target required at this point in time. Identifies ahead/behind status and required course correction.

Asset Allocation Check

Current allocation vs. target allocation. If equity has drifted 5%+ above target, a rebalancing recommendation is issued. Drift is inevitable; letting it compound is avoidable.

Fund / Security Quality Review

Each fund assessed against its category benchmark and peer group. Persistent underperformance (3+ years below median) triggers a switch recommendation. Manager changes flagged and assessed.

Return Attribution Analysis

Understanding why the portfolio returned what it returned — asset class contribution, sector exposure, individual security impact. Separates skill from luck, identifies structural strengths and weaknesses.

Tax Position Review

Unrealised LTCG and STCG positions mapped. LTCG exemption utilisation status. Upcoming FY-end opportunities identified. Tax-loss harvesting candidates flagged.

SIP & Contribution Review

Are current SIP amounts adequate to fund goals given elapsed time? If income has grown, incremental SIP step-up recommendations are made. Discontinued SIPs investigated.

Action Priority Queue

All identified actions ranked by urgency and impact — time-sensitive tax actions first, then rebalancing, then fund switches, then SIP adjustments. Clear, actionable output with implementation support.

Rebalancing Example — Illustrative

After strong equity run · Allocation drift corrected

Current Allocation (Drifted)

Equity

72%

Debt

19%

Gold

Cash

Target Allocation (After Rebalancing)

Equity

65%

Debt

25%

Gold

Cash

Recommended Actions

Equity — trim ₹4.2L from large cap fund (LTCG-efficient)

Debt — add ₹2.8L to short duration fund

Gold — add ₹1.4L via Sovereign Gold Bond tranche

Beyond Simple Returns

Performance Attribution — Understanding Why

Returns alone tell you what happened. Attribution tells you why — and what to do about it.

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XIRR vs CAGR

We use XIRR (Extended Internal Rate of Return) — the only accurate measure for SIP portfolios with irregular cash flows — rather than simple CAGR which overstates returns on invested amounts. XIRR tells you what you actually earned on money actually deployed.

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Benchmark Comparison

Portfolio returns are compared against appropriate benchmarks — not the Sensex for a balanced portfolio, but a blended benchmark matching your target allocation. A 10% return from a balanced portfolio may actually mean the equity portion underperformed its benchmark significantly.

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Asset Class Attribution

Which asset classes drove the portfolio return and which detracted? Did gold's strong performance compensate for debt fund underperformance? These questions drive intelligent forward allocation decisions rather than backward-looking regret.

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Fund-Level Analysis

Each fund's performance is assessed against: (1) its stated benchmark; (2) category median; (3) category top quartile. A fund that beats its benchmark but trails the category median warrants review — better alternatives exist.

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Rolling Return Analysis

Point-to-point returns are misleading — a fund can look excellent at one measurement date and poor at another. Rolling returns (3-year rolling XIRR measured daily over 5 years) provide a stable, comprehensive view of fund consistency.

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Goal-Referenced Performance

Ultimately, performance is assessed against what it needs to be to fund goals on time — not against an arbitrary benchmark. A portfolio returning 9% may be "underperforming" relative to some benchmark but "excellent" if your retirement goal only requires 8%.

Year-Round Tax Management

Tax Optimisation Is Continuous — Not Annual

Most investors engage in tax planning once a year — the January-March rush to invest ₹1.5L under Section 80C. Real portfolio tax management happens throughout the year — systematically harvesting gains, realising losses, and structuring transactions to minimise tax drag on overall returns.

Our Wealth Desk monitors your portfolio's tax position continuously — flagging every opportunity as it arises, not after it has passed. For a portfolio of ₹1 Cr+, disciplined year-round tax management can save ₹1–3L annually that would otherwise flow to the government rather than your wealth.

LTCG Annual Exemption HarvestingSave ₹15,600/yr

Equity LTCG up to ₹1.25L is exempt annually. We systematically book this gain each year (selling and rebuying to reset cost basis) — ensuring the exemption is never wasted. Over 20 years, this saves ₹3–4L in total LTCG taxes on a growing portfolio.

Tax-Loss Harvesting Before FY EndSaves STCG/LTCG Tax

Before March 31 each year, we review unrealised losses in the portfolio — selling positions at a loss to offset gains realised during the year. The sold positions are bought back after 30 days if they remain suitable investments. Realised losses can offset gains, reducing net tax liability.

Growth vs Dividend Fund SelectionDefers Slab-Rate Tax

Dividend option funds distribute income taxed at slab rate, eroding corpus. Growth option defers taxation until redemption — when LTCG rates (12.5%) apply for long-held equity. For investors in the 20–30% bracket, growth option is almost always superior over long horizons.

Debt Fund to FD Switch (Post April 2023)Optimises Slab-Rate Instruments

Post the 2023 Finance Act removing indexation from debt MFs, the relative tax advantage of debt funds over FDs has reduced. We conduct annual comparisons — ensuring the right instrument is used for each time horizon and tax bracket, rather than assuming a prior-year recommendation remains optimal.

Old vs New Regime Annual Selection₹0–₹1.5L+ Savings

We calculate both tax regimes annually for every client — factoring all deductions, income, and investment decisions. As income grows and deductions change, the optimal regime can shift. Never assume last year's selection is still correct.

Always Available

On-Demand Advisory — When Life Happens

Financial decisions don't follow a quarterly schedule. Your Wealth Desk advisor is available whenever a significant financial event demands a conversation.

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Career Event

Job Change or Salary Revision

New income changes the savings rate, tax situation, and goal timelines. We update the plan immediately — adjusting SIPs, re-evaluating EMI capacity, and capturing the incremental income for wealth building.

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Property Event

Property Purchase or Sale

Property transactions affect portfolio allocation, tax position, and cash flows significantly. We advise on proceeds deployment, capital gains structuring, loan optimisation, and how the transaction affects all financial goals.

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Windfall Event

Bonus, Inheritance, Equity ESOP

A large lump sum needs careful deployment — not rushed, not parked in savings indefinitely. We design a systematic deployment plan, tax-efficient structuring, and allocation across goals based on priority and current market conditions.

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Market Event

"Should I Act on This Market Fall?"

Market corrections trigger calls. We provide immediate context — how this event relates to your specific portfolio and goals — and most often confirm that your plan does not require action. When action is warranted, we advise precisely.

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Life Event

Marriage, New Child, Divorce

Life changes change financial plans. A new child adds an education goal, insurance needs, and nomination updates. A marriage may require combining or separating financial plans. We update the complete plan for every significant life change.

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Business Event

Business Sale, Capital Raise, Exit

Business exits can transform a client's financial position overnight. We advise on proceeds structuring, tax efficiency, personal wealth allocation, and transitioning from business income to portfolio income — one of the most complex and impactful financial events.

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Geographic Event

Moving Abroad or NRI Return

Residency changes trigger FEMA compliance needs, tax residency implications, and portfolio restructuring requirements. We advise on NRI classification, investment repatriation, and the financial transition in both directions.

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Decision Event

Any Major Financial Decision

Big purchases, business investments, loan applications, insurance decisions, equity pledging — any significant financial decision benefits from 30 minutes with your Wealth Desk advisor before committing. This is what the relationship is for.

Common Questions

Frequently Asked Questions

How often does the Wealth Desk team communicate with me proactively?+

Proactive communication follows a structured cadence: (1) Monthly: Portfolio monitoring alerts — only when something requires your attention (not newsletter spam); (2) Quarterly: Formal portfolio health report with action items delivered to your email and discussed in a call; (3) Annually: Comprehensive wealth review meeting — 90 minutes covering all five planning pillars; (4) Event-triggered: We reach out immediately when: a held fund underperforms meaningfully, a manager change occurs, a credit event affects a debt holding, a rebalancing threshold is breached, or a market event is relevant to your plan. Outside scheduled reviews, we typically reach out 4–8 times per year for event-driven reasons — ensuring communication is signal, not noise.

What does the quarterly portfolio review report include?+

Our quarterly report is a structured 6–10 page document covering: (1) Portfolio snapshot — total value, allocation, and quarter-on-quarter change; (2) XIRR performance — portfolio XIRR vs blended benchmark, broken down by asset class; (3) Goal progress — current funding status for each defined goal; (4) Fund-level review — each held fund assessed against benchmark and category; (5) Tax position — unrealised gains/losses, LTCG harvesting opportunities; (6) Recommended actions — prioritised list of rebalancing, switches, SIP adjustments, or tax actions; (7) Market context — a brief factual overview of relevant market developments, not predictions. The report is designed to be actionable — not just informative.

How is the Wealth Desk different from just using a robo-advisor or a fund distributor?+

Three fundamental differences: (1) Human judgement on your specific situation — a robo-advisor applies standardised rules; a Wealth Desk advisor knows your goals, family situation, risk history, and behavioural patterns and applies nuanced judgement; (2) Full-spectrum planning integration — distributors and robo-advisors cover investments only; your Wealth Desk integrates investments with insurance, tax, goals, and estate planning — they all affect each other; (3) Behavioural advisory — the most valuable thing a human advisor does is not in the portfolio report — it is the conversation during a market crash that prevents a panic sell that would set back retirement by 5 years. No algorithm can do this. Robo-advisors are excellent for execution; they are insufficient for the complex, contextual, behavioural dimensions of wealth management.

What triggers a portfolio rebalancing recommendation?+

We use a threshold-based rebalancing approach rather than calendar-based. Rebalancing is triggered when: (1) Any asset class drifts more than 5 percentage points from its target allocation — either above (strong markets) or below (weak markets); (2) Annual review triggers systematic rebalancing regardless of drift, if the allocation has shifted meaningfully; (3) Life events change the target allocation (new goal, approaching retirement, income change); (4) Tax efficiency consideration — we prefer to rebalance in a tax-efficient way, using new SIP investments or natural cash flows to correct drift before resorting to redemptions that trigger capital gains. We never rebalance purely on market outlook — rebalancing is a disciplined, rules-based process, not a market call.

I have accounts at multiple brokers and banks — can you still provide a consolidated view?+

Yes — consolidated portfolio tracking across multiple institutions is a core component of the Wealth Desk service. We aggregate data from: (1) Mutual fund holdings via CAMS/KFintech CAS statements; (2) Direct equity demat accounts via broker statements; (3) Bank FDs and savings accounts via statements you share; (4) NPS account via PRAN statement; (5) PPF, EPF, SGBs, bonds, and other instruments via account statements. This consolidated view gives us — and you — a single, accurate, complete picture of your entire financial position rather than fragmented views across institutions. The consolidated view is essential for accurate asset allocation tracking, genuine performance measurement, and realistic goal progress assessment.

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Disclaimer: Portfolio performance data shown is illustrative only. Past portfolio performance is not indicative of future results. XIRR calculations are based on actual cash flows and may vary with market conditions. Rebalancing recommendations are based on target allocations agreed with the client — actual implementation is at the client's discretion. Tax calculations are based on prevailing tax laws — please consult a CA for personalised advice. Peacock Wealth Management is a ARN Certified investment advisor. All investment decisions are made by the client; we provide advisory only.

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