Learn how to track a mutual fund portfolio
When you invest in mutual funds through a Systematic Investment Plan (SIP), your money is pooled with contributions from other investors and strategically allocated across assets by professional fund managers. Knowing where your SIP money is invested is crucial to assess whether the fund is aligned with your financial goals, risk appetite and market trends. Fortunately, mutual fund houses provide transparent disclosures to investors to stay informed about their fund’s portfolio and performance. Here’s how you can track and understand the investments your mutual fund is making.
You can find out where your mutual fund is investing your SIP money by reviewing the fund’s portfolio details and disclosures. Here’s how:
1. Check the fact sheet of mutual funds
Fund houses publish monthly factsheets that provide a snapshot of mutual fund investments.
It lists:
Top Equity Holdings (Stocks).
Sector allocation (eg, IT, banking).
Fixed-income securities (eg, government bonds).
Cash reserves or other assets.
2. Visit the website of the mutual fund
Go to the official website of the fund house.
Look for the portfolio holding section of the particular scheme.
Most of the fund houses provide monthly or quarterly update details.
3. Refer to the Scheme Information Document (SID).
The SID provides investment strategies and fund types in which the Fund invests.
While it is not specific to current holdings, it outlines the fund’s long-term investment philosophy.
4. Mutual Fund App/Platform
If you use an app like Groww, Zerodha Coin, or Paytm Money, these platforms often have a portfolio analysis feature that shows your fund’s investments.
5. Periodic reports
SEBI mandates mutual funds to submit half-yearly and annual reports to investors. Details of these reports:
Complete portfolio holdings.
Performance Summary.
6. Fund Manager’s Commentary
Many funds provide fund manager updates in factsheets or via blogs/videos. These insights often explain why a fund invests in certain sectors or stocks.
By regularly reviewing these sources, you can track where your SIP money is going and ensure that it is aligned with your investment goals and risk tolerance.