Every instrument, explained plainly.
Seven verticals covering growth, income, protection, liquidity and legacy. Below is what each one actually is, who it suits, what it costs you in liquidity and risk, and where it fits in a plan.
Mutual Funds
For most families this is the backbone of the portfolio — the most transparent, most liquid and most regulated way to own a diversified basket of equity and debt. Our work is less about finding an exotic scheme and more about correct allocation, ruthless de-duplication, and the discipline to keep the SIP running when headlines are ugly.
What we do for you
- Goal-linked portfolios. Each goal — a home, education, retirement — gets its own bucket with its own asset mix and its own time horizon, rather than one undifferentiated pile of funds.
- Scheme selection with overlap analysis. Four large-cap funds that hold the same twenty stocks is not diversification. We measure portfolio overlap and consolidate.
- SIP, STP and SWP structures. Systematic investment for accumulation, transfer plans to phase lumpsums into equity, and withdrawal plans to draw a tax-efficient monthly income in retirement.
- Direct vs regular, decided openly. We tell you what the expense difference costs over your horizon and how we are remunerated, so the choice is informed.
- Legacy folio consolidation. Old folios, forgotten SIPs, unclaimed dividends and inactive KYC — traced, consolidated and brought into a single statement.
- Rebalancing with tax awareness. Drift is corrected within allocation bands, timed around LTCG thresholds and exit-load windows instead of on impulse.
or ₹5,000 lumpsum
7+ years (equity)
salary to a family office
Alternative Investment Funds
AIFs are privately pooled vehicles that invest where listed markets cannot reach — private credit, unlisted and pre-IPO equity, venture capital, real assets, and complex long-short strategies. They are the least liquid thing we recommend, which is precisely why the return premium has to be demonstrable before we go near them.
The three categories
- Category I. Funds investing in socially or economically desirable areas — venture capital, SME funds, infrastructure and social venture funds. Long-dated and genuinely early-stage.
- Category II. The workhorse category: private equity, private credit, structured debt, real estate and pre-IPO funds. No leverage other than for day-to-day operations.
- Category III. Hedge-fund style strategies that may use leverage and derivatives — long-short equity, arbitrage-plus and absolute-return mandates, often with the shortest lock-ins of the three.
How we approach them
- Capital-commitment planning. Most AIFs draw money down over time. We map the drawdown schedule against your cash flows so a capital call never forces a bad sale elsewhere.
- Cost transparency. Management fee, carry, hurdle rate, catch-up and setup expenses — modelled into a net-of-everything number before you sign.
- Strict sizing. Illiquid allocations are capped as a percentage of net worth. Money you may need in the next seven years does not belong here.
(SEBI mandated)
staged drawdowns
over a hurdle
and no near-term need for it
Bonds & Fixed Income
Equity is what makes a portfolio grow; fixed income is what lets you sleep. A bond is a contract — a defined coupon on defined dates and a defined maturity — which makes it the right instrument for money with a deadline. We build ladders that mature when you actually need the cash.
What we place
- Government securities and treasury bills. Sovereign credit risk, the cleanest benchmark available, ideal for long-dated liability matching.
- State development loans. Issued by state governments, typically at a modest spread over comparable central government paper.
- PSU and corporate bonds. Higher coupons in exchange for credit risk. We read the rating rationale, not just the rating letter, and stay within investment grade unless you have explicitly agreed otherwise.
- Non-convertible debentures. Listed and unlisted NCDs, assessed on issuer balance sheet, security cover and covenant strength.
- Tax-free bonds. Older PSU issues with interest exempt from tax — attractive in the highest slab where available in the secondary market.
- 54EC capital-gain bonds. Used to shelter long-term capital gains from property sales, subject to the prescribed investment window, annual cap and lock-in.
(issue dependent)
you choose
contractual dates
varies by issue
portfolio ballast
GIFT City Funds
GIFT City — India's International Financial Services Centre in Gujarat — is treated as an offshore jurisdiction for regulatory purposes while sitting on Indian soil. Funds domiciled there are dollar-denominated and can invest globally, which makes them the cleanest route for resident Indians seeking currency diversification and for NRIs who want an India relationship without the reporting friction of domestic products.
Who it solves a problem for
- Residents diversifying currency risk. If your income, home and portfolio are all rupee-denominated, a dollar sleeve is a genuine hedge — accessible under the Liberalised Remittance Scheme within its annual limit.
- NRIs, especially in the US and Canada. Many domestic Indian funds restrict or decline investment from these jurisdictions. IFSC-domiciled funds are generally structured to accept them.
- Families planning education abroad. When the liability is in dollars, holding the asset in dollars removes exchange-rate risk from the goal entirely.
- Investors wanting global equity. Access to international markets and themes that are not available, or are capacity-constrained, through domestic feeder funds.
foreign currencies
a USD-denominated ticket
Scheme (annual limit)
currency diversification
Insurance
Insurance is the first line of any plan and the most commonly mis-sold product in India. Our position is simple: insurance is for protection, investments are for growth, and mixing the two usually delivers a poor version of both. Every policy we recommend is pure cover.
What we arrange
- Term life. Sized to outstanding liabilities plus the income your dependants would need to replace, adjusted for inflation, and taken for a term that runs to your planned retirement — not to age 99 at a premium you will resent.
- Health insurance. A family floater with a super top-up above it — the most cost-efficient way to reach a high sum insured. We check room-rent caps, disease-wise sub-limits, waiting periods for pre-existing conditions, and restoration benefits.
- Personal accident and disability. The risk most people ignore: disability can be financially worse than death, because income stops while expenses rise.
- Critical illness. A lump sum on diagnosis, useful where treatment costs and income loss extend beyond a hospitalisation claim.
- Policy review of what you already hold. Existing endowment, money-back and ULIP policies are examined on surrender value versus paid-up value versus continuing — with the arithmetic shown to you before any decision.
- Claim support. Documentation and follow-up at the time it actually matters, for you or for your family.
annual income
major life event
allocation
with dependants
Succession Planning
A portfolio that cannot be transferred is an unfinished portfolio. In India an enormous amount of household wealth sits unclaimed — not because it was badly invested, but because nobody wrote anything down. Succession planning is the least glamorous and most valuable work we do.
What a complete plan contains
- An asset register. One document listing every bank account, folio, demat holding, policy, property, locker, business interest and loan — with account numbers and where the papers live.
- Nomination and joint-holding hygiene. The fastest, cheapest fix available, and the most frequently neglected. Nominations are checked and corrected across every institution.
- A properly drafted will. Clear, unambiguous, correctly witnessed, with a named executor who has actually agreed to act. Registration where it adds protection.
- Private family trusts. Where the balance sheet, a business, a blended family or a beneficiary with special needs makes a trust the right structure — including control, distribution rules and trustee succession.
- A family constitution. For business-owning families: how decisions get made, how the next generation enters the business, and how disputes are resolved before they reach a court.
- Digital assets and access. Credentials, mail accounts and digital records handled deliberately, so the family is not locked out of the paper trail.
nomination audit
trust deed if applicable
and chartered accountants
any family change
dependants or assets
business owners
Loans
Selling a compounding portfolio to meet a short-term need is usually the most expensive way to raise money — you pay capital gains tax and give up the compounding permanently. Borrowing against the portfolio instead often costs far less. We arrange and negotiate the facility, then make sure the borrowing sits inside the plan rather than outside it.
Facilities we arrange
- Loan against securities. An overdraft secured by your mutual fund units or shares. You pay interest only on what you actually draw, the portfolio keeps compounding, and no capital gains event is triggered.
- Loan against property. Larger tickets and longer tenures against residential or commercial property, for business expansion or consolidating costlier debt.
- Home loans and balance transfers. New purchase funding, and refinancing existing loans where the rate differential and remaining tenure genuinely justify the switch after fees.
- Business and working-capital lending. Term loans and working-capital lines structured around your actual cash-conversion cycle.
- Debt restructuring. Mapping every existing liability by rate, tenure and prepayment penalty, then paying down in the order that saves the most interest.
the drawn amount only
larger ticket
balance transfer
weeks for property
value falls
breaking the portfolio
Start with the plan,
not the product.
Tell us where you are today. We will map what you hold, what it costs you, and which of these seven mandates you actually need — and which you can safely ignore.