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Portfolio analysis
Portfolio analysis
Add the funds you hold and how much is in each. Everything below is computed from AMFI's published NAVs — real overlap, a blended backtest of the whole book, concentration, and the Regular-plan cost drag. Educational only, not advice.
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Parag Parikh Flexi Cap Fund
PPFAS
Sensai publishes educational market commentary, not investment advice. We are not SEBI-registered investment advisers or research analysts, and nothing here is a recommendation to buy, sell, or hold any security.
Live prices, index levels, and other market data are pulled from third-party feeds, may be delayed, and can be inaccurate or unavailable. Do not rely on them for trading decisions.
Investing in equities carries risk, including the loss of principal. Always do your own research and consider consulting a SEBI-registered adviser before making any investment decision.
Overall structure rating
Decent, but one or two sections are holding it back.
A weighted roll-up of the 4 section grades below (tap any to jump). Scores portfolio STRUCTURE — spread, overlap, concentration, cost, and market-dependence — not future returns. Educational, not advice.
Allocation
Asset mix
By category
By fund house
Section rating — weighted factors
D · 42/100
Backtest
3-year CAGR
13.8%
Weighted, as one portfolio
5-year CAGR
13.4%
Weighted, as one portfolio
Volatility
11.9%
Annualised, blended
Max drawdown
-31.2%
13 Feb 2020 → 24 Mar 2020
A real weighted index of your holdings' NAVs over the window every position has existed (since May 2013), rebalanced only by your fixed weights. Past performance does not indicate future returns.
Section rating — weighted factors
B · 65/100
Market fit
Beta
0.56
vs Nifty 50 (1.0 = in step)
Market R²
59%
Of moves explained by the index
Alpha
+11.0%
Annualised, beyond the index
Regressing your blended book against the Nifty 50. Beta is how much it swings with the market; R²is how much of its movement the index alone explains — a high R² while paying active fees means you're close to a costlier index fund; alpha is the return added or lost beyond just riding the market. Behaviour, not advice.
Section rating — weighted factors
A+ · 91/100
Concentration & cost
Largest holding
100%
Of total invested
Effective funds
1.0
Behaves like this many equal holdings (of 1)
Top fund house
100%
PPFAS
Regular-plan drag
None
All Direct, or negligible
“Effective funds” is 1 ÷ the sum of squared weights — a ₹1L book split 90/10 behaves like ~1.2, not 2. Over half your money sits with one fund house — its process and risk culture drive most of the outcome.
Section rating — weighted factors
B · 71/100
How to improve
Not investment advice. This is an educational illustration generated from public data. Sensai is not a SEBI-registered investment adviser. Funds named here are examples chosen by an objective rule, not personalised recommendations — do your own research and consider a registered adviser before investing.
Fill a style gap: Mid-cap
Biggest lever · AllocationYour equity skips mid-cap — adding it spreads you across market phases that large-caps alone miss.
Examples to research (objectively ranked, not advice)
Trim your largest holding
Biggest lever · Concentration & costParag Parikh Flexi Cap Fund is 100% of the book — its fate swings the whole portfolio. Bringing it toward ~25–30% and redeploying the rest evens out single-fund risk.
Add a non-equity cushion
AI read
The portfolio is a single-fund allocation of ₹50,000 invested entirely in the Parag Parikh Flexi Cap Fund, offering 100% equity exposure through PPFAS. Its historic performance shows a 3‑year CAGR of 13.8 % and a 5‑year CAGR of 13.4 %, with an 11.9 % volatility and a maximum drawdown of 31.2 %. The fund exhibits a moderate beta of 0.56 and a high R² of 0.59, indicating it tracks the broader market while delivering a notable annualized alpha of 11.0 %. In terms of diversification, the portfolio is essentially undiversified beyond the fund itself, with only a single asset class and AMC represented.
Strengths
Risks
Worth thinking about
Portfolio copilot
I've read your portfolio's real numbers — overlap, allocation, the blended backtest, concentration and cost. Ask me anything about how it hangs together. I explain trade-offs; I don't give buy or sell calls.
Money spans ~1.0 effective categories (of 1).
~1.0 effective fund house; top 100%.
All equity — no cushion from other asset classes.
1 fund — very few.
Sortino 1.23 — return per unit of DOWNSIDE risk (13.4% CAGR).
Worst peak-to-trough fall -31%.
Little vol reduction from mixing (11.9% vs 11.9%).
Worst rolling 12-month return -18%, best 99%.
Reclaimed its prior peak in ~4 months.
Beta 0.56 vs Nifty 50 (1.0 = moves like the index).
R² 0.59 — the market explains 59% of the moves.
Annualised alpha +11.0% beyond just riding Nifty 50.
Biggest position is 100% of the book.
Behaves like 1.0 equal positions (of 1).
All Direct (or negligible) — no leak.
Weighted average history ~13.2 years.
Mostly plain equity — flexible, gentler LTCG.
Your book is 100% equity with no ballast — a hybrid or short-duration debt sleeve softens drawdowns and steadies the ride.
Examples to research (objectively ranked, not advice)
AI interpretation of the computed statistics above — educational, not advice. It cannot see holdings and is instructed never to tell you to buy, sell, or switch funds.