Holistic portfolio checkup across quality, concentration, and tax drag (portfolio checkup)

[iamsaquib8]

What

Roadmap idea. Today StockWise has multiple diagnostic commands (xray, benchmark, score, tax, rebalance, insights, events), but an investor wanting a health check has to stitch them together manually. A holistic checkup can run a single pass and rank factual observations by estimated rupee impact.

Design

• stockwise portfolio checkup: runs an integrated diagnostic across six key dimensions:
  1. Concentration & Overlap: High single-stock look-through exposure (>10% or >15% via xray), sector tilts exceeding benchmark by >15%, and overlapping fund holdings.
  2. Fundamental Quality: Holdings with weak Piotroski scores (<4), Altman Z distress, or high debt-to-equity ratios.
  3. Valuation Stretch: Holdings trading at 5Y/10Y historical P/E or EV/EBITDA 90th percentile valuation extremes.
  4. Downside Resilience: Portfolio beta, crash correlation on down days, and exposure to high-drawdown assets.
  5. Fee & Tax Drag: Unused ₹1.25L Section 112A LTCG tax-harvesting headroom, active regular mutual funds incurring broker commission bleed vs direct plans, and pending advance-tax instalments.
  6. Goal Alignment: Goals falling behind required glide-path savings rates.
• Every observation is ranked by direct rupee impact (e.g. "₹1.25L tax exemption unused before March 31", "Regular plan bleed of ₹14,200/yr on CAS-imported fund"), paired with the exact command to inspect or resolve it.
• Never gives personalized financial advice or buy/sell calls per #260 and DISCLAIMER.md.

Done when

• Runs a full health check across equities, mutual funds and target allocations in one pass.
• Ranks actionable findings by rupee impact with transparent formulas.
• Exposes --json and MCP tool for AI assistants (stockwise mcp).

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Upvote or comment below with what checks you run when reviewing your own portfolio and what metrics you'd like surfaced. Ideas with community demand get scheduled on the roadmap.