SynopsisNot many investors know whether they have invested in the right funds and if their fund portfolio is on track. The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.An early start means ambitious goals are within reach.PORTFOLIO CHECK-UPSaritha James has been investing in a mix of equity funds and fixed income instruments.Has been investing through monthly SIPs but has concentrated only in two funds.Is focussing too much on mid-cap and smallcap funds. Needs to have a large-cap exposure as well.Has been contributing to the NPS through employer.Funds have generally performed well, but portfolio also has some laggards.She needs to close down some funds to streamline portfolio and make it easy to monitor.In NPS, she should take a balanced exposure to equity and debt funds.Saritha James has a long investing horizon and has made an early start to save for the goals of her child’s education and her retirement. Here’s what the doctor has advised her.