What Is a Portfolio Health Score and Why It Matters

RupeeTracker's health score (0–100) is based on four equally weighted factors:

• Diversification (25 pts) — Are you spread across asset types?
• Liquidity (25 pts) — Can you access funds when needed?
• Returns (25 pts) — How are your investments performing?
• Maturity Spread (25 pts) — Are maturities staggered or bunched?

• 80–100 (Excellent) — Well-diversified, good returns, staggered maturities
• 60–79 (Good) — Some room for improvement
• 40–59 (Fair) — Significant imbalances to address
• 0–39 (Poor) — Concentrated risk, needs rebalancing

• Add investments in under-represented asset classes
• Stagger FD maturities across different months
• Maintain a reasonable savings account balance for liquidity
• Regularly review underperforming investments