Your Advisor could be keeping you BUSY with what is EASY, however,
Wealth grows by doing what is RIGHT and not what is EASY

INVESTMENT PHILOSOPHY

Strategising Investment plan that aligns risk and return through an appropriate asset allocation. Selecting investment options after thoroughly analysing fund’s investment objectives, fund size, performance track-record, fund manager’s investing style and fund management expenses. Creating an optimal investment portfolio that is just in-line with the risk-profile. Tracking the markets and reviewing the portfolio on an on-going basis to ensure that high performance is achieved with minimum volatility.

THREE PRINCIPLES

RIGHT SERVICE

Just telling you want you want to hear is not the Right Service. We call this, “mere socializing and selling approach”. Our philosophy is based on suitability and not sales. So we don’t sell you what you want; we serve you on what your portfolio needs, and what is right for you. From financial planning to asset allocation & from asset allocation to asset re-balancing, we do not hesitate in servicing you in line with what is right and important for you even if its against your biases. Our educative approach makes it possible.

RIGHT PRODUCTS

Market is cluttered with thousands of financial products. Most are manufactured keeping in mind product seller’s interests. Our philosophy is to select the product with insight as well as integrity. For an example, if an equity product is not good for long term returns, it is not recommended. Similarly if a debt product has un-due risk, or lock-in, it is also not recommended. We are simply against debt oriented hybrid products. So, basically, an investment product must be making a sense for the objective being targeted.

RIGHT PORTFOLIO

Adding too many products in the portfolio plays against the portfolio’s performance as this complicates the portfolio. This approach doesn’t get you higher return; in fact, it adversely impacts the performance as good funds get balanced with bad performing ones . Our philosophy is to un clutter the portfolio by identifying under performers and simplifying its structure. The aim is to achieve right asset allocation with apt diversification. This is very important and needs the right focus.

FOUR FUNCTIONAL ATTRIBUTES

ANALYTICAL APPROACH

Foundation to high performance investing is financial planning, as with it the purpose and time horizon of each investment in the portfolio is plotted rationally. Equally important is understanding the features, cost structures and appropriateness of each product being recommended. Such analytics based approach makes our clients more confident about their decisions.

COMPETENT MINDS

Sense evolves over time with intensive study, analysis and experience. We bring all three along with the requisite certifications. This makes us a competent service provider for your investment portfolio. This is much beyond just artificial intelligence-based robotic advice, as the experience and sensitivity that a human being brings over analytics cannot be matched by any machine.

DISCIPLINED BEHAVIOUR

Wealth is created with patience in long term. This requires discipline which may sound simple, but is quite difficult to follow, given many behavioural biases originating from greed and fear. We stick to arduous method of educating our clients that enhances their understanding, checks and controls their biases and keeps them on track for a long term returns and multiplication.

RESPONSIVE ATTITUDE

We are ethical service providers and our sense of responsiveness differentiates us from others. Our investment philosophy makes us focus solely on our clients’ interests. We practice this daily through our strong operating mechanism which comprises of five values and three principles. We also have a list of our do’s and don’t that serves as our guide to right investing.

FIVE VALUES

GENUINE

VISIONARY

CREATIVE

FOCUSED

PERSISTENT

DO'S and DONT'S

No mixing insurance with investments because its expensive and takes away the focus and spoils the purpose

No locked in products because these are opaque and prone to hidden charges

No sectoral funds because they are poor on risk adjusted returns and fail to generate consistent returns

No to debt oriented hybrid products as they deliver poor post tax returns

No to ULIPS for tax savings under section 80C as the costs structures are obnoxiously high

Yes to term insurance, as planning for unforeseen event is important
Yes to open-ended equity products
Yes to multi-cap, large-cap, mid-cap, small-cap and balanced equity funds
Yes to equity oriented hybrid products
Yes to Equity linked savings schemes (ELSS mutual funds)

Don’t Just Invest. Make an Informed Decision.