What is the advantage of direct plans for investors deploying ₹50 lakhs or more?

Direct plans eliminate the distributor commission of 0.5–1.5% annually, which is charged against your fund's NAV. On a ₹50 lakh lump-sum deployment, the compounding difference over 15 years can exceed ₹25 lakhs. At ₹1 Cr or more, the advantage compounds further — making direct plan selection one of the highest-return decisions a serious investor can make.

How do you manage tax-loss harvesting at scale?

For investors with substantial portfolios, we systematically identify unrealised losses that can be realised before year-end to offset capital gains — without materially disrupting portfolio positioning. We also advise on optimal switching between funds to minimise STCG events and maximise LTCG treatment across the equity allocation.

How many funds should a ₹25 lakh+ portfolio hold?

We recommend 5–8 funds for most portfolios. More than 10 funds typically leads to over-diversification where returns converge to an index but with higher management complexity. We regularly consolidate portfolios that have grown unwieldy through ad-hoc accumulation — a common consequence of receiving ad-hoc recommendations over years without a structured review.

WEALTH MANAGEMENT

Mutual Funds

Curated direct plan portfolios across equity, debt, hybrid, and index — selected from 1,500+ schemes using a proprietary multi-factor scoring model. Structured for capital allocation, not accumulation.

1,500+

Schemes Analysed

Direct Plans

For All Eligible Schemes

SEBI-Reg.

Advisory Framework

OVERVIEW

Disciplined Investing, Better Outcomes

The universe of 1,500+ mutual fund schemes creates a selection problem that most investors — including experienced ones — are not equipped to navigate alone. The difference between a well-chosen fund and a mediocre one, compounded over 15 years on a ₹25 lakh deployment, can mean a portfolio that is 40–60% larger. Selection discipline is where the alpha is generated.

We build portfolios using a proprietary multi-factor scoring model that evaluates funds on risk-adjusted returns, manager tenure, portfolio concentration, drawdown history across 3+ market cycles, and expense ratio. All recommendations are in direct plans — eliminating distributor commissions and adding 0.5–1% annually to net compounding returns. Direct plan SIP mandates are structured from ₹50,000/month; lump-sum deployments are managed through systematic staggered entry to manage timing risk.

Portfolios are reviewed quarterly with a written assessment of each holding — hold, increase, or switch — and annually rebalanced to maintain target allocation. We do not churn for the sake of activity; our average holding period for a fund recommendation is 3+ years. For investors deploying ₹50 lakhs or more in lump sums, we advise on tax-loss harvesting, estate tranching through multi-generational nominations, and optimal switching strategies.

WHAT'S INCLUDED

Key Features

Equity Funds

Large-cap, mid-cap, flexi-cap, and sectoral funds selected for consistent risk-adjusted performance over 5+ year periods. Suitable for wealth creation with a 5–10 year horizon.

Debt & Fixed Income

Short-duration, corporate bond, and gilt funds for capital preservation, emergency liquidity, or bridging between fixed-income instruments. Lower risk with predictable returns.

Hybrid & Balanced

Asset-allocation funds that dynamically adjust equity/debt mix based on market valuations — suitable for moderate-risk investors seeking equity upside with cushion.

Index Funds & ETFs

Low-cost Nifty 50, Nifty 500, and international index funds for the passive core of a portfolio. Expense ratios below 0.2% with broad market diversification.

Structured SIP Mandates

Direct plan SIP mandates structured from ₹50,000/month — set up, monitored, and adjusted as your financial objectives evolve. We implement SIP step-up strategies and portfolio rebalancing as your allocation grows.

Direct Plan Advisory

All recommendations are in direct plans — eliminating trail commissions paid to distributors and adding 0.5–1% annually to your compounded returns over time.

PARTNERS

OUR PROCESS

How We Work

A clear, structured approach from your first consultation to ongoing support.

Risk Profiling

We assess your investment horizon, income stability, existing liabilities, and emotional response to volatility to determine the right equity-debt split for your portfolio.

Portfolio Construction

We recommend 5–8 funds covering core equity, tactical themes, and debt — with clear rationale for each selection and the role it plays in the overall portfolio.

SIP or Lump-Sum Setup

For SIPs, we set up mandates across recommended funds. For lump sums, we deploy using a 3–6 month staggered entry to average out entry price.

Quarterly Review

We provide a written portfolio review every quarter covering performance attribution, market context, and any recommended changes — with one-click implementation via our platform.