Lead with three figures
What went in, what it is worth today, and the difference. Then a return that accounts for timing, which for anyone investing through a SIP means XIRR.
A client reads these first, and everything else in the review explains them.
Allocation against what they agreed
Show each asset class’s share today next to the share the client declared, and the gap between them, in points and in rupees. A chart helps a client see it; a table is what they will check.
Holdings, grouped the way you think about them
List every holding with what was invested, its value, its gain and its own rate of return. Group them by fund house, with a subtotal for each.
Grouping by fund house shows concentration at a glance, which a list sorted only by size does not.
Say what could not be measured
If a fund’s holdings could not be looked through, or a transaction could not be matched to a scheme, say so in the review. A check that could not be run should never read like a check that passed.
Make it readable
Many of the people reading a review are retired, and small type is a common reason a carefully prepared review goes unread. Set the figures large enough to read comfortably, and keep each page to one idea.
A statement, not advice
A review describes the portfolio as it stands: what is held, how it has done, and where it differs from what was agreed. Recommendations belong to the conversation that follows.
Record them as decisions, so the next review can show what was decided and whether it happened.
Sahi Capital prints this review for any client in one click, set in large type, with holdings grouped by fund house and a subtotal for each.