The one thing your portfolio cannot do for you

Summary: A nominee is not an inheritor. The Supreme Court settled this in 2023. A will determines inheritance. And neither matters if your family can't find the portfolio in the first place. Here's the two-part solution that takes a weekend.

Summary: A nominee is not an inheritor. The Supreme Court settled this in 2023. A will determines inheritance. And neither matters if your family can't find the portfolio in the first place. Here's the two-part solution that takes a weekend. A subscriber wrote to me last month about his father. The father had been a careful investor for more than 30 years, with SIPs started in the late 90s, added to patiently never touched them through 2008 or 2020. When he died in May, the family knew the portfolio existed. They did not know where. No list of folios. No record of the demat account. A life insurance policy from an agent whose number no longer worked. The son has spent six months piecing it together from bank st

This article was originally published on April 20, 2026.