1. Mulit Asset Allocation Strategy: Diversification is not just a principle – it’s a discipline

   1. We strongly believe no single asset class performs consistently in every market cycle. Hence, we structure the portfolios using: 

      • Equities (Domestic to Global, Unlisted to Listed), 

      • Fixed Income (Bonds, G-Sec, Structured Debt), 

      • Alternatives (AIFs, Private Equity, Venture Debt, Performing Credit), 

      • Cash & Liquid Instruments, and 

      • Thematic & Tactical Allocations

   2. Allocation will be done based on – 

      • Your risk tolerance, 

      • Market Outlook (Micro & Macro), 

      • Goal Duration, 

      • Liquidity Needs, 

v. Tax Implications and 

vi. Overall return expectations.

c. Regular review and rebalancing will be done to avoid overexposure, monitor the direction of the portfolio and to capture the value in dislocated markets.

2. Blend of Active & Passive Strategies: Balancing Alpha pursuit with cost-efficiency

a. We don’t believe in dogma – only results. That’s why we build portfolios that blend:

i. Active Strategies for alpha in high-conviction segments 

ii. Passive instruments (ETFs, Index Funds) for low-cost exposure to efficient markets

b. This allocation is backed by data and updated through ongoing performance reviews.

3. Fund Selection Framework: Products don’t drive your plan – research does

a. Philosophy – Fund Management Style, Team Structure and Adherence to Mandate

b. Process – Portfolio Construction, Turnover, Concentration and Expense Ratios

c. Performance – Consistency across cycles, Risk-Adjusted Returns (Sharpe, Sortino Ratios) and Drawdown analysis

4. Risk Management: Managing Risk is Managing Wealth

Risk is not just about volatility – it’s about loss of capital, liquidity constraints or importantly missed goals. 

a. Asset Level: Strategic asset allocation based on volatility and downside thresholds

b. Product Level: Credit Ratings, Liquidity buffers, Exit Loads

c. Client Level: Customized risk profiling and Real-time stress testing

“What-if” scenario simulations to help you understand how your portfollio would behave in different market conditions

5. Tax-Efficient Planning: Returns matter – but what you keep matters more.

We optimize portfolios for post-tax returns by

a. Aligning investments with your income slab and holding periods

b. Tax Loss harvesting, if applicable

c. Identifying Growth or Dividend options based on your cash flow requirements

d. Co-ordinating with CA for smart structuring like HUFs, Trusts or Gift

6. Goal-Based Investing: Every rupee should serve a purpose

We align your investments to real-world objectives:

a. Retirement corpus

b. Children’s education

c. Real Estate

d. Business expansion

e. Emergency Liquidity

f. Lifestyle or Luxury goals

g. Wealth Transfer to next generation

Each goal is mapped with a specific 

• Time horizon, 

• Target corpus, 

• Expected return and 

• Acceptable risk range

A dedicated portfolio strategy will be assigned to each goal, ensuring that short-term volatility never jeopardizes long-term purpose.

7. Performance Monitoring & Reporting: You’ll always know where you stand

You remain informed, empowered, and in control – at all times with:

a. Custom Dashboards

b. Consolidated portfolio views 

c. Periodic 1:1 performance reviews, reports with goal progress

d. Market Commentary and actionable insights