How to Track Your Mutual Fund Investments? (2024)

Just investing in mutual funds isn't enough. Tracking your mutual fund investment regularly is essential to ensure everything is on track. Read this post to know the different ways in which you can do this.

Imagine you're going from Delhi to Chennai via road. You set the GPS on your phone and start driving. On the way, you face challenges like tyre puncture, engine problems, or taking wrong turns. What do you do? You either take a different mode of transport or course correct to reach your destination.

With mutual funds, it's the same. Mutual funds’ investments help you achieve certain goals, which may be a few months or many years away. However, a lot can happen from the time you invest to the time you reach your goals. This is why it's crucial to track the progress of your mutual fund investments to ensure you're on track.

Also Read - How to Invest in Mutual Funds?

While you should avoid adjusting at short intervals and give the scheme enough time to perform, especially if you've invested for more than a year, regular tracking helps ensure everything is working as expected.

But how to track mutual fund investments? Thanks to digitalization, there are many different ways in which you can do this. Take a look-

How to Regularly Track Mutual Fund Portfolio?

1. Consolidated Account Statement (CAS)

Investors are entitled to receive CAS from CDSL (Central Depository Services Limited) or NSDL (National Securities Depository Limited) for months when there has been a financial transaction in their mutual fund portfolio. CAS is a consolidated statement that contains details of all the financial transactions performed in a month under the same PAN across fund houses and accounts/folios.

While the CAS is sent to the registered email/ mail address of the investors, you can also access the statement online by visiting the official CAMS website. Here are the steps you can follow-

Visit camsonline.com and click on ‘MF Investors
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On the following page, choose ‘CAS-CAMS’ under the ‘Statements’ menu
Now, enter the email address registered in your mutual fund folio, PAN, and select the fund house
You also have the option to choose a specific folio listing and the period for which you want the CAS statement
Choose a password that you’ll use for accessing the CAS you receive on your email address
Submit the details
You’ll receive the CAS on your email address in a password-protected file
Enter the same password from the above step to access your CAS

Also Visit – Mutual Fund Consolidated Account Statement (Distributor only)

2.AMC Website/Mobile App

As mentioned above, CAS is only generated for months when a financial transaction is performed in your mutual fund portfolio. Moreover, it only includes details of the folios where a transaction has taken place.

So, how will you track investments for months when you don’t perform any transactions? By logging into the AMC website or mobile app. Most AMCs now allow investors to invest in their mutual fund schemes online. If you’ve used the digital route for investing, you can log in to your account on AMC’s website or mobile app to view the account statement and analyze portfolio performance.

3. Online Portfolio Trackers

If you've invested in mutual fund schemes from multiple AMCs, the above method could be time-consuming as you'll have to individually login into each AMC account. You can simplify this task by using one of the online portfolio trackers. Several online financial/investment platforms and mobile apps offer portfolio tracker tools.

These trackers allow you to build a mock-up of your real mutual fund portfolio with schemes across fund houses. Before activating the tracker, you can enter the NAV at which you purchased the units, the amount invested, etc. Once activated, it'll track the performance of your investments daily.

4.Mutual Fund Fact Sheet

AMCs are also required to release 'Fact Sheets' every month with detailed information regarding all of their mutual fund schemes. You can find all the details in this document, from the latest portfolio allocation, NAV, and fund managers to investment performance.

You can visit the official website of your AMC and download the latest Fact Sheet to learn more about the latest changes in the scheme portfolios and analyze their performance.

5.Check with Your Investment Advisor

If you're starting with mutual funds, you can consult an investment advisor who can assist you in choosing the right schemes as per your investment objective and risk appetite. Moreover, the advisor can also keep track of your investments and offer financial advice to help you make the most of your investments.

However, select a qualified SEBI-registered investment advisor who looks out for your best interest.

Track Your Mutual Fund Investments for Best Results

No matter how you track your mutual fund investments, reviewing the portfolio at regular intervals is vital to ensure it aligns with your risk appetite and steadily takes you toward your financial objectives.

You can consider adjusting the portfolio if the investment is not delivering the expected results, especially when other similar schemes deliver higher returns or you see some red flags. An investment advisor can assist you through the process, enabling you to build a portfolio that aligns with your investor profile.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.