u/Effective_Cancel1973

crossed a milestone i'd been chasing for a while and the very first thing i did was finally look at my actual portfolio properly

not proud of what i found, lol. 14 funds, massive overlap, no real logic to any of it. just years of - this one looks good. SIPs stacked on top of each other

the number felt gud bt the clarity wasn't there at all. which made me wonder if the number even means what i thought it meant

how do you all actually think about portfolio structure once you're past the accumulation phase? is there a point where you sit down and rationalize everything or do you just let it ride

also been trying to actually consolidate this into one view, harder than it sounds when you have EPF, stocks and MFs all over the place