What are the six investment readings?
Six questions about how your money is arranged — return against your plan, concentration, how much is priced, spread, markets and contributions — under one score out of 100.
Under How the money is arranged, Investment Performance asks six questions about the shape of what you hold — not about how markets moved. Each gets a word, a score out of 100 once it can be read, a sentence with your figures, a line headed Measured against saying what it was judged against, and usually a suggestion for what would move it. Three of the six are judged against your own plan: the return it assumes, the years you have left, and the currency you plan to spend.
Investment Performance
85out of 100
- Return against your plan67 · StrongReturning 12.7% a year against the 11.0% your plan assumes, over 4.3 years.Measured against the 11.0% a year your own plan projects with
- Concentration98 · StrongSovereign Gold Bond is 11.0% of what you have listed — the largest single company you own. Nothing here depends on one company going well.Measured against your largest single-company position, against what you have listed
- Priced daily56 · Sound55.9% of what you hold is priced by a market every day. The rest is a figure you typed, and it moves only when you change it.Measured against how much of your money a market prices — a reading about this page, not about your investing
- Spread across asset classes100 · StrongHeld across 4 of seven classes, weighted as if across 2.5 — and with 17 years left, 2.2 is the spread this reading looks for. Shares and funds is 58.5% of everything you hold.Measured against how many classes your money is spread over, against the 2.2 this reading looks for with 17 years left
- Markets and currencies100 · Strong4 markets, with NYSE carrying 35.3%. 52.5% of it is already in INR.Measured against which markets your listed money is in, against the INR you will be spending
- Regular contributions100 · StrongMoney went in on 24 of the last 24 months, and a SIP is running. This is the one of the six you control every month, and it is the one doing the most work.Measured against how often money actually goes in
The block for the illustrative household: a headline score out of 100, then six rows, each with a band word, a sentence and what it was measured against.
Illustrative figures — not anybody’s real plan.
| Reading | What it asks | Judged against |
|---|---|---|
| Return against your plan | Your XIRR minus your plan’s assumed return | Strong a point above; Sound within a point; Mixed up to three behind |
| Concentration | Your largest single-company position as a share of what is listed | Strong up to 15%; Sound up to 25%; Mixed up to 40% |
| Priced daily | How much of everything you hold a market prices | Strong from 75%; Sound from 50%; Mixed from 25% |
| Spread across asset classes | How many of the seven classes your money is really spread over | A higher bar the fewer years you have left |
| Markets and currencies | The largest market’s share of what is listed | Gentler when that market pays in your plan’s currency |
| Regular contributions | Months with money going in, over the last two years | Strong in three months of four; Sound one in two; Mixed one in four |
The words and the score
Each row reads Strong, Sound, Mixed, Needs work or Not readable yet. The headline weights the readings that could be read — return against your plan counts most, then concentration — and needs at least three of them. Its word is Well arranged, Soundly arranged, Mixed or Needs arranging, and its sentence names the reading carrying the score and the one that would move it most.
Details worth knowing
- Funds and ETFs never count as a single company: an index fund is hundreds of companies under one name. A share, a REIT, an individual bond or a Sovereign Gold Bond does count as one position.
- Spread is judged against your horizon: with twenty years or more to run, the bar is 1.3 effective classes — roughly one growth class plus a real cash position; with ten to twenty it is 2.2, and under ten it is three.
- All of your listed money in one market that pays in the currency you plan to spend reads Sound rather than a warning.
- Regular contributions needs six months of history, and stops being read once you are past the age your plan stops working.
- Under a year of holding, return against your plan shows its word without a colour.
See this in your own plan.
Open Investment PerformanceLast reviewed 1 October 2026.