Discovery
Your income, obligations, existing holdings and the dates that matter. Usually one long conversation and a document request.
Investment Strategy
We help you choose where to put your money, and explain why. The aim is a mix you can hold on to when the market falls.
What's included
From your goals to your holdings
We do not start with funds. We start with what you need and when.
- Goal mapping. Every objective written as a date, an amount, and a priority, so trade-offs become visible rather than implicit.
- Risk capacity assessment. Not just how you feel about risk, but how much your cashflow can actually absorb.
- Asset allocation. The split across equity, debt and cash that does most of the work in any portfolio.
- Scheme selection. Mutual fund recommendations from the full universe, with the selection criteria shown.
- Direct equity. Where appropriate, a considered core of individual holdings alongside the fund portfolio.
- Rebalancing discipline. A written rule for when to trim and when to add, agreed in advance so it survives a panic.
How it works
Four steps, about six weeks
Analysis
We map what you already own against what you actually need, and identify overlap, concentration and gaps.
Proposal
A written allocation with the reasoning, the costs, and the conditions under which we would change it.
Implementation
Execution, paperwork and nominations, then a scheduled review cadence you can hold us to.
How we are paid
For mutual funds we are remunerated by the asset management company through distribution commission built into the scheme's expense ratio, you pay us nothing directly. Commission rates differ between schemes, which is a conflict of interest we would rather name than hide. We will tell you what a recommendation pays us before you act on it, and you are free to ask why a lower-paying alternative was not chosen.
Common questions
Do you manage my money for me?
No. We are a mutual fund distributor and an authorised person for execution, not a portfolio manager. Your money stays in accounts and folios held in your own name, and nothing moves without your instruction.
Can you tell me what returns to expect?
No, and you should be wary of anyone who does. We can show you historical ranges and model outcomes under assumptions you choose, clearly labelled as projections. Past performance does not indicate future results.
What is the minimum to work with you?
There is no hard minimum. A monthly SIP is a perfectly reasonable place to start, and a number of our long-standing relationships began exactly that way.
I already have investments elsewhere. Do I have to move them?
Not necessarily. We will review what you hold and tell you honestly which parts are worth keeping. Moving assets purely so they sit with us is not a reason we would put in writing.
Bring your existing portfolio.
We will tell you what is working before we suggest anything new.