Household Portfolio
Household · ex-gold
Total—
USD / INR—
SGD / INR—
Shares—
Prices—
Everything you own, except gold
—
—
What you own — by type
Shares, listed property, bonds, cash. A REIT is a trust you hold as units, so it sits in its own line rather than with the buildings.
By type
Updates itself. Prices and currencies refresh on open and every five minutes. If a feed fails, the top bar says manual and the page shows the values saved on 14 Nov 2026.
What to do today
The short version.
Your rules
—
Where you have decided to draw the lines.
02

Holdings

Tap a row for detail.
Investment▲ Type▲ Value▲ Share▲ Profit▲

Profit appears where your records show what you paid — six of the nine Indian funds now do, and the two merged lines show only the Kuvera folio's cost. The percentage is the simple gain on what you paid; Kuvera shows an annualised figure, so the two will not match.

03

How it is spread

You against the whole world.
Where you are invested, against the whole world
share of your shares
Credit, Treasury bills and the frontier bond fund are outside this comparison — they are not equity. ACWI weights as at 30 October 2026.
0%20%40%60%
Your portfolio MSCI ACWI
Which currencies you are in
live
Move the sliders. A 5% rupee depreciation adds roughly ₹4.2 lakh to the INR value of the book with no asset moving.
What is winning and losing
profit %
Where the workbook carries a cost. Winners on the right, losers on the left.
What moves your money most
in rupees
Ranked by the rupee impact of a realistic single-factor move. This is the sensitivity list that matters more than the position list.
What if you rebalance?
rupees to move
Set a target and see the trade size. Nothing here is executed — it is arithmetic, not advice.
04

News that matters

Only what touches your money.
05

The big picture

Twelve numbers that matter.

Indicators are a point-in-time reading from the sources linked on each card, not a live tick. Refresh them when you next update the workbook.

06

What you own

What each one is and what it costs.
07

Dates to watch

What is coming up.

What the picture says

Macro, your funds, and what follows from both.
08

What to do

Easiest first.
Which ones to sell
in order
Which vehicles to touch, in order, and what to check first. Sizes follow the sliders in Allocation.
Tax

Singapore salary, Indian rental, no Indian tax, no SRS or CPF wrapper — which means the usual constraints on rebalancing are largely absent. Singapore has no capital gains tax, and with no Indian residency filing there is no foreign-asset schedule to worry about. The consolidation in the action plan is therefore close to frictionless: the only real cost is exit loads on the Indian funds and the 24-month clocks if you ever return to Indian residency. Indian-source gains still attract TDS at source, so check the contract notes rather than assuming nothing was withheld. One practical constraint: the India sleeve sits in an NRO account, and NRO balances can be repatriated up to US$1 million a financial year with documentation — worth knowing before you plan to move Indian assets offshore.

09

Original documents

The source documents.

The numbers behind it

Fees, income, downside, history.
In one line

57% of it is in dollars, 30% in Singapore.

Spreading your bets
overlap counted

You hold 24 investments, but they behave like about — because a few dominate. Your top five are — of everything; three funds alone are —.

If markets fall hard
rough estimate

A year like 2008 would cost you about — — much the same as losing 30% in a global share index, a little more because of the small-market holdings.

What you pay in fees
per year
What lands in your bank
cash only
Anything wrong?
—
What the sources do not settle. Every price has now been checked against the market and against your broker screens, and they agree.
Your history
—
Save the current totals and this page becomes a time series. Snapshots live in this browser and travel with the JSON export.
10

How this works

Where this comes from
Positions
the household_Portfolio_13Nov2026.xlsx
Positions saved
14 Nov 2026
Page date
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FX
USD/INR 94.22 · SGD/INR 72.36
Scope
Ex-gold (LionGlobal gold SGD 3,300 and physical gold excluded)
Total
—
Holdings
—
Benchmark weights
MSCI ACWI factsheet, 30 Oct 2026
Household
the household + spouse (spouse)
India sleeve
the spouse's NRO account (Fyers) + Kuvera

Every figure in the fact sheets carries its own reference date — the date the issuer states, not the date you opened this page. Fund sizes, NAVs, yields and performance are published on different cycles, so a card can legitimately show a fee as of one date and a size as of another. Where a source could not be found, the field is blank rather than estimated.

24 holdings and a cash line here, matching the workbook's 24 lines — Bandhan Small Cap and Invesco Mid Cap are each held in two folios, which the sheet combines. Account totals in the workbook differ from the sum of positions by ₹17–₹2,740 depending on the account — rounding and small cash balances. This page sums positions and adds the ₹2,757 cash line, so it ties to the ₹97,65,718 total.

Keeping it up to date

Three ways, cheapest first.

Prices
Edit market value in any holding row
Currencies
FX sliders, Allocation tab
New positions
Add to the HOLDINGS array in this file
Live prices
Automatic — key built in, refreshes every 5 minutes
News
Add to the NEWS array — dated, sourced

The refresh loop: download the state, change the native values in a text editor or in a spreadsheet, then import the file back. Every derived number recalculates on import.

Your edits persist in this browser's local storage only. They are not written back to the spreadsheet, and they disappear if you open the file on another machine.

Prepared for the household. This page consolidates holdings, research and macro context for one household; it is a tracking and sense-making tool, not investment, tax or legal advice, and it places no orders. Scenario drawdowns are illustrative assumptions drawn from past episodes, not forecasts. Benchmark weights from the MSCI ACWI factsheet dated 30 October 2026. Confirm tax positions with a chartered accountant before acting on any consolidation.