Mutual funds
Schemes from virtually every AMC in the country. You can hold them in the traditional way or in demat form through a trading account, whichever suits you.
What we do, and what you get out of it
Two halves to the work. The planning that decides where your money should go, and the products that take it there.
Products we distribute
A wide product basket across asset classes, risk profiles and providers is what makes unbiased, needs-based advice possible. Clients get a single point of access to a growing range of financial and non-financial products, with nothing held back because it sits outside our shelf.
Capital market
Access to direct equity and exchange traded funds through an E-Wealth account with one of India’s established distribution houses.
Fixed income
For the part of your money that has to stay safe. A steadier stream of income and far less movement than equity, at the cost of a lower long-run return.
Portfolio Management Services
PMS strategies built on direct equity and mutual funds from leading providers in India, including strategies you can only subscribe to through a distributor.
Insurance
Cover comes before investing. We work out how much risk your household is carrying, then find the policy that closes the gap without overselling you.
Services we provide
Each of these can be a standalone piece of work, or part of one plan that covers everything.
Financial planning
A full read of where your money stands today and where it is heading, using what we can actually measure rather than guesswork.
Portfolio review
We agree on what each investment is meant to achieve, then measure it against a benchmark that suits your portfolio and not someone else’s.
Retirement planning
Building a dependable income for after you stop working, by setting money aside now and investing it specifically for that date.
Portfolio restructuring
Reorganising assets you already hold so they work together, cost less and stop overlapping with each other.
Goal-based investing
A house, a degree, a wedding, a business. We put your goals in order of priority and fund them one by one.
Tax planning
Reading your plan from a tax point of view, so the return you keep after tax is as close as possible to the return you earn.
Business financial planning
A portfolio built around a business, covering day-to-day operations as well as the money it needs to survive a bad quarter.
Emergency fund
Setting aside money you can reach within a day, so a hospital bill never forces you to sell a long-term investment at the wrong time.
The order we do it in
You will know what happens at every stage, and roughly how long each one takes.
We talk first
A conversation about income, EMIs, dependants, the goals you have in mind and how much movement in your portfolio you can genuinely live with.
You get a plan
Goals in priority order, the amount each one needs every month, and the mix of assets that funds them. The plan comes before any scheme is named.
We do the paperwork
KYC, account setup, scheme selection and the first transaction. You sign; we handle the follow-up with the AMCs and registrars.
We review on a schedule
Portfolios drift. We check yours against its benchmark at agreed intervals and rebalance when the drift is worth acting on, not when markets get noisy.
Not sure which of these you need?
That is a normal place to start. One call is usually enough to work out whether the priority is cover, an emergency fund, a first SIP or a clean-up of what you already hold.