Reassess your investment portfolio and your insurance needs

Those investors who had not rebalanced their protfolio at the end of the previous year, because mid- and small-cap funds were still rallying, should surely do so now

The end of one financial year and the start of another is a good time to assess your investment portfolio and make it ship-shape for the coming year. Your insurance portfolio, too, may require changes due to altered circumstances. It is also a good idea to get started on your tax-saving investments right from the beginning of the year.

Tepid returns from mutual funds: Average returns from all categories of diversified equity funds were in the single-digit during 2018-19. Large-cap funds performed better than mid- and small-cap funds (see table). “Large-caps were more rationally priced at the start of the