5 min read

Tracking Your Investments

Your wealth engine in one view — every asset, every SIP, your allocation health, and how long until your money doubles.

1
What the Investments page is for
This is your living portfolio view: every EPF, PPF, mutual fund, stock, FD, real-estate holding, and gold investment in one screen. It shows you how much you have today, how much you're adding each month, your blended return, and what it all becomes in 10 years if you stay invested.
Update values quarterly, not monthly. Daily portfolio-watching makes you anxious and tempted to time the market — both hurt your returns.
2
Read the hero — portfolio value and doubling time
The huge number is your total portfolio across all asset classes. Below it is your total monthly SIP (auto-invest). On the right, a "Doubles in X years" badge uses the Rule of 72 (72 ÷ blended return) to tell you how long compounding takes to double your money at your current asset mix.
3
The 4 KPI cards
• Portfolio Value — total of all current values • Monthly SIP — total of every monthly_contribution across assets • Blended Return — weighted-average expected annual return (weighted by current value) • 10-Year Projection — what your portfolio is worth in 10 years if you keep adding the same SIP at the same return The 10-year number assumes monthly compounding and steady contributions — see How Calculations Work for the formula.
4
Add an investment
Click "Add Investment". You will enter: • Type (EPF, PPF, mutual fund, stocks, real estate, FD, gold, other) • Name (e.g., "HDFC Equity Fund", "SBI 5yr FD") • Current value (today's market value or balance) • Expected return % (12% for equity, 7% for debt, 6% for gold are FUMONEY defaults) • Monthly SIP (your auto-invest amount, 0 if none) • Maturity date (only for FD / PPF / Other — when does this instrument mature?)
For mutual funds, get the value from Groww / Zerodha / Kuvera. For EPF, check the EPFO portal. For real estate, use a recent broker estimate — not the price you paid.
5
Maturity Alerts — your loss-aversion safety net
If any FD, PPF, or fixed-term asset matures within the next 60 days, a yellow "Maturity Soon" strip appears under the KPIs with the asset name and days remaining. Banks auto-renew FDs at the prevailing rate (often lower) the moment they mature — this alert is your chance to consciously reinvest at the best available rate instead of letting the bank decide for you.
Set the maturity date on every fixed-term asset you add. Without it, you have no defence against silent auto-renewal at unfavourable rates.
6
Asset Allocation donut and vs-recommended
Below the alerts, the allocation card shows your portfolio grouped into broad classes — Equity, Debt, Gold, Real Estate, Other. If you set your Risk Profile during onboarding (Conservative / Moderate / Aggressive), the right side shows three bars comparing your current % vs the recommended target. Green deltas are within 5% of target, amber means over-allocated, rose means under-allocated.
Rebalancing once a year is enough. Move from over-weight assets into under-weight assets during your annual review — this is the cheapest way to maintain risk discipline.
7
Monthly SIP Allocation vs Current Holdings
The bottom row has two sections. "Monthly SIP Allocation" (left) lists only the assets you actively auto-invest in, ordered by SIP amount, with each asset's % share of your total SIP. "Current Portfolio Holdings" (right) shows every asset with a recorded value, grouped by type with subtotals. Each row carries the expected return %, SIP amount (if any), and a maturity-month chip for fixed-term assets.
8
Edit, delete, and the compounding insight
Hover any holding to reveal edit and delete buttons. At the very bottom, a blue insight card restates your doubling time and the 10-year projection in plain English — your reminder that the boring discipline of staying invested is doing the heavy lifting while you live your life.