How I work
Not a one-time portfolio.
Someone on your side, every quarter, for years.
A portfolio is built once. Life keeps moving: markets fall, a bonus lands, stock vests, a university sends its first fee notice. So the work doesn't stop at the portfolio. It repeats every quarter, for as long as you invest with me.
The check-up · first three months
Everything your family has invested, in one picture.
- Every investment, in India and abroad, reviewed: how it is actually doing.
- Your goals and commitments, costed: retirement, children's education (including abroad), a home.
- How much risk you are willing to take, and how much you are able to take.
- Your risk profile, talked through and agreed with you in writing.
If your children will study abroad
That bill will be paid in dollars or pounds. Part of the check-up is working out how much of the family's money should sit abroad, and when, so the money matches the currency of the goal.
The portfolio
What to change, in what order, with tax in mind.
- A few investments, each with a job, and the exact steps to get your portfolio there.
- Fund managers chosen for their true style and strengths, the way a scout picks a team.
- Help while you carry it out. Nothing is executed without your go-ahead.
Every quarter
A review with you (and your spouse), on a video call.
Your quarterly review Agenda
- Where you stand
How your portfolio has done, measured against your goals, not just the market.
- What changed
In markets, in the economy and in your life, and what it means for your portfolio.
- Are you on track
Progress on each goal, and any gap to close.
- What to do now
Rebalancing and new money, with exact steps.
- In writing
A short summary of decisions and next steps within two working days.
Once a year, a deeper review of your goals, your risk profile and the whole portfolio.
Through the year
Your money calendar, tracked for you.
The dates that move family money, in one place.
- April: new overseas-remittance year
- June, September, December and March: advance tax
- March: tax-loss harvest
- AprNew overseas-remittance year
- JunAdvance tax
- SepAdvance tax
- DecAdvance tax
- MarAdvance taxTax-loss harvest
Whenever they fall for you
- Your stock vesting dates
- Buyback windows
- Foreign university fee dates
- Your quarterly reviews
Solid: fixed dates in the tax year. Dashed: dates set by your own schedule.
Between reviews
The rest of the year
Staying the course
When markets turn volatile, I reach out and explain what it means for your goals.
Big decisions
A bonus, a home, a child's admission abroad. Talk to me before you decide where the money goes.
Reports and the client app
Email reports whenever you ask, briefings on a call or in person, and your holdings in the app anytime.
Your family's investment record
Every investment and every nomination, kept current.
Before we talk
Is this a fit?
This works well if you
- want one person to see the whole family's investments
- want fewer investments, each with a job
- think in years, not months
It's probably not for you if you want
- stock tips
- quick trades
- a promise of returns. No one is allowed to give one.
What I don't do
So you know exactly where the line is.
- Hold your money. It is invested in your name.
- Promise or guarantee returns.
- Sell insurance as an investment.
- Give stock tips.
Questions
Common questions
Do I have to move all my investments?
No. We start from what you already hold, and nothing changes without your go-ahead.
Who holds my money?
You do. It is invested in your name, and I never hold your money or ask for your bank login details.
Can you look at investments abroad too?
Yes. The check-up looks at what you hold in India and abroad, and how much of your money should sit in each.
My spouse and I both invest. Do we start separately?
No. The whole family's investments sit in one view: you, your spouse, your children and your parents.
Do you work with my CA?
Yes. Your statements are ready for you or your CA whenever you need them.
What happens in the first conversation?
You tell me what's on your mind and what you hold. I explain how I work. Bring your investment statements if you can.