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We recognize that every individual or corporate has different needs and our portfolios should be built to meet those needs. We spend time with you to understand your situation before we build your investment portfolio. After all, the possibility of a higher return will not matter if a temporary fall in the value of your portfolio would cause you to lose sleep or panic and sell before a market recovery. We, also, rely on our proprietary ‘risk profiling’ process to help us determine the combination of funds across asset classes which would be most effective in helping you achieve your goals, while being in line with your attitude towards risk.

Diversification helps minimize investment risk. At the portfolio level, we diversify across asset classes- equity and fixed income securities. We limit the number of funds from each mutual fund company to avoid concentration risk. The funds are selected to ensure exposure to different sectors of the market. We avoid over-diversification by limiting the number of funds in your portfolio. The amount of investment risk that you can diversify away reduces beyond a point. By keeping the portfolios small, we can monitor your investments better.

Over time, the values of individual funds in your portfolio move up and down, drifting away from their target weights. Rebalancing the portfolio weights helps to keep the portfolio risk in line with your risk profile. In addition to that, rebalanced portfolios tend to give better returns. Your portfolio is rebalanced only when we can minimize transaction costs and tax implications.