A decade of good intentions.
One very messy portfolio.

A bank SIP. A couple of funds bought on an app during COVID. An ELSS a CA suggested one March. A scheme you started and forgot. We help you see what you actually own, and turn it into something that works.

It isn’t a portfolio. It’s an accumulation.

Most families in their late thirties and forties have the same story. Every investment made sense on the day. Nobody ever looked at them together.

The result: too many funds doing the same job, some that no longer suit your stage of life, a mix of regular and direct plans nobody tracks, no link between any fund and any goal, and a tax bill at redemption time that arrives as a surprise.

What a clean-up can look like

Before

11 funds across 4 platforms, no goals attached
  • Large-cap fund, bank SIP
  • Flexi-cap fund, app one
  • Flexi-cap fund, app two
  • Bluechip fund, old employer
  • Large and mid-cap fund
  • Focused equity fund
  • ELSS, bought one March in 2019
  • Small-cap fund, a friend’s tip
  • Sector fund, an NFO
  • Index fund
  • Debt fund, no clear purpose

Seven of these hold largely the same top stocks.

After

5 funds, each with a job
  • Flexi-cap fundRetirement
  • Large and mid-cap fundRetirement
  • Hybrid fundEducation, 2032
  • Liquid fundEmergency money
  • ELSS, only if 80C needs itTax

Every exit checked for tax and exit loads first.

Illustrative. Your after picture depends on your goals, and on what exits would cost.

How we untangle it

  1. The full picture

    You send us your Consolidated Account Statement (CAS). We analyse it: asset split, the companies you really own through your funds, sector exposure, overlaps and diversification.

  2. The honest conversation

    What to keep, what to merge and what to exit, with our reasons. We show you the cost of every exit — capital gains tax and exit loads — before recommending it. A switch that costs more in tax than it gains isn’t worth making.

  3. A goal for every fund

    Each holding gets linked to a goal and a date. From then on, every review answers one clear question: is this on track for what it’s meant for?

  4. A structure that stays clean

    The right number of funds in the right categories, with a review schedule that stops the clutter coming back.

Start with what you already have.

Send us your CAS — one statement covering all your mutual funds, free from CAMS or KFintech by email. We’ll send back a clear view of your holdings, category split and performance. No obligation.

CurateMyMoney is an AMFI-registered mutual fund distributor (ARN-184811). Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.