Ready-made Investment Plans

For Individuals and Families

Invest in plans for creating wealth, achieving life goals, or generating cash-flow.

We understand one size does not fit everyone which is why our investment plans are customizable and personalized to your life’s plans.

Invest like Institutions

Invest Like Institutions

Institutional investors fare better in all kinds of markets because they have a very clear set of investment directives.

Alongside this, seasoned investors employ very specific investment strategies with a highly disciplined and systematic approach.

Individuals and Families can too invest like institutional and seasoned investors by:

  • defining a purpose for investment, and
  • following a plan.

Waterfall Model

We offer customizable investment plans as a sequence of portfolios with incremental return-risk profiles. These portfolios are :

  • professionally managed,
  • use sophisticated systematic strategies, and
  • are spread across asset classes

to provide individuals and families with the desired investing edge.

The Plans follow the Waterfall Model which ensures that required needs are funded first and the excess spills into funding desires.

You set the priorities, we ensure they are aptly met, step-by-step.

Investment Plans
Investment Plans

Why Investment Plans?

Investment Plans ensure that investors only focus on funding the plan and everything else is taken care of by the wealth adviser.

Since similar themes operate in the lives of many investors, Investment Plans cover everything weaved in the structure of life, whether it is:

  • the desires you think of, or
  • the needs you may have overlooked.

Explore Investment Plans

At Modulor Capital®, we have identified three important themes operating in the lives of individuals and families – Wealth, Goals, and Cash-flow.

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Wealth Waterfall

Investment Plan for covering contingencies, becoming self-reliant, becoming & staying rich, and leaving a legacy.

Explore Wealth Waterfall
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Goals Waterfall

Investment Plan for pursuing long, medium, and short-term goals to fund needs and finance desires.

Explore Goals Waterfall
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Cash-flow Waterfall

Investment Plan for supplementing or replacing income for recurring expenses, and generating profits for lifestyle spending.

Explore Cash-flow Waterfall

Looking for a Specific Solution

instead of Ready-made Plans?

Explore Tailor-made Model Portfolios

Pricing

As SEBI Registered Investment Advisers we are mandated to fiduciary responsibility. With commissions and paybacks out of the way, our compensation is strictly aligned with our clients. This means we are committed to lower costs, better returns, and best risk management practices. We charge a percentage of the portfolio value as our fee and work hard to ensure we make every bit worth it.

We do not charge separately for creating & customizing investment plans. It is included in the pricing of our portfolios.

Modulor Capital Pricing

Advisory With Execution

We offer integrated advice and execution for your convenience through our partner plaforms

Mutual Funds

iFast Financial

iFast is an advisory administration platform that operates as a broker and provides execution and tracking of mutual fund portfolio investments.

Open a Mutual Funds Investment Account
Stocks & ETFs

smallcase

smallcase is a model stock portfolio platform that connects with your brokerage account and allows you to replicate our model stock and ETF portfolio.

Invest In Stock/ ETF Portfolios Through Your Broker
Waterfall Model
The pecking order of funding

The Waterfall Model is a method of splitting available funding among different needs and desires that allow for funds to follow an uneven distribution. The Waterfall Model can be thought of as a series of pools that fill up with the available funding and then once full, spill the excess funding into the additional pools that are lower in the pecking order (of needs and desires).

While some of the needs and desires are common to most individuals and families, others can be highly personalized to the specific investor. The key to successfully investing, in order to fulfill the needs and desires, an investor should be able to prioritize them in a structured and logical way without biases and events clouding the judgment of the investor.

Some of the needs are essential and weaved so deeply into the structure of life, that they may be overlooked easily while the investor is focussed on the more obvious aspirational desires. The solution to defining the pecking order is to follow an investment plan which covers the expected and unexpected aspects of investing for individuals and families.

Investment advisory – Number of complaints
Data and Trends

Data for the month ending August 2022

Sr. No. Received From Pending at the end of last month Received Resolved Total Pending# Pending Complaints > 3 months Average Resolution time^ (in days)
1 Directly from Investors 0 0 0 0 0 0
2 SEBI (SCORES) 0 0 0 0 0 0
3 Other Sources (if any) 0 0 0 0 0 0
Grand Total 0 0 0 0 0 0

^ Average Resolution time is the sum total of time taken to resolve each complaint in days, in the current month divided by total number of complaints resolved in the current month.

The trend of monthly disposal of complaints

Sr. No. Month Carried forward from the previous month Received Resolved* Pending#
1 August 2021 0 0 0 0
2 September 2021 0 0 0 0
3 October 2021 0 0 0 0
4 November 2021 0 0 0 0
5 December 2021 0 0 0 0
6 January 2022 0 0 0 0
7 February 2022 0 0 0 0
8 March 2022 0 0 0 0
9 April 2022 0 0 0 0
10 May 2022 0 0 0 0
11 June 2022 0 0 0 0
12 July 2022 0 0 0 0
13 August 2022 0 0 0 0
Grand Total 0 0 0 0

*Inclusive of complaints of previous months resolved in the current month.
#Inclusive of complaints pending as of the last day of the month.

The trend of annual disposal of complaints

Sr. No. Year Carried forward from the previous year Received Resolved* Pending#
1 2020-21 0 0 0 0
2 2021-22 0 0 0 0
3 2022-23 0 0 0 0
Grand Total 0 0 0 0

*Inclusive of complaints of previous years resolved in the current year.
#Inclusive of complaints pending as of the last day of the year.

Investor Charter
Investor Charter in respect of Investment Adviser (IA)

A. Vision and Mission Statements for investors

  • Vision

Invest with knowledge & safety.

  • Mission

Every investor should be able to invest in the right investment products based on their needs, manage and monitor them to meet their goals, access reports, and enjoy financial wellness.

B. Details of business transacted by the Investment Adviser with respect to the investors

  • To enter into an agreement with the client providing all details including fee details, aspect of Conflict of interest disclosure, and maintaining the confidentiality of information.
  •  To do a proper and unbiased risk – profiling and suitability assessment of the client.
    • To obtain registration with Know Your Client Registration Agency (KRA) and Central Know Your Customer Registry (CKYC).
    • To conduct an audit annually.
    • To disclose the status of complaints on its website.
    • To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers, and associated SEBI regional/local Office details on its website.
    • To employ only qualified and certified employees.
    • To deal with clients only from official numbers.
    • To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.

C. Details of services provided to investors (No Indicative Timelines)

  • Onboarding of Clients
    • Sharing of agreement copy
    • Completing KYC of clients
  • Disclosure to Clients
    • To provide full disclosure about its business, affiliations, compensation in the agreement.
    • To not access client’s accounts or holdings for offering advice.
    • To disclose the risk profile to the client.
  • To provide investment advice to the client based on the risk-profiling of the clients and suitability of the client.

D. Details of grievance redressal mechanism and how to access it

  • In case of any grievance/complaint, an investor should approach the concerned Investment Adviser and shall ensure that the grievance is resolved within 30 days.
  • If the investor’s complaint is not redressed satisfactorily, one may lodge a complaint with SEBI on SEBI’s ‘SCORES’ portal which is a centralized web-based complaint redressal system. SEBI takes up the complaints registered via SCORES with the concerned intermediary for timely redressal. SCORES facilitates tracking the status of the complaint.
  • With regard to physical complaints, investors may send their complaints to:- Office of Investor Assistance and Education, Securities, and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, ‘G’ Block, Bandra-Kurla Complex, Bandra (E), Mumbai – 400 051.

E. Expectations from the investors (Responsibilities of investors)

  • Do’s
    i. Always deal with SEBI registered Investment Advisers.
    ii. Ensure that the Investment Adviser has a valid registration certificate.
    iii. Check for the SEBI registration number.

Please refer to the list of all SEBI registered Investment Advisers which is available on the SEBI website at the following link: https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intm Id=13

iv. Pay only advisory fees to your Investment Adviser. Make payments of advisory fees through banking channels only and maintain duly signed receipts mentioning the details of your payments.

v. Always ask for your risk profiling before accepting investment advice. Insist that Investment Adviser provides advisory strictly on the basis of your risk profiling and take into account available investment alternatives.

vi. Ask all relevant questions and clear your doubts with your Investment Adviser before acting on the advice.

vii. Assess the risk-return profile of the investment as well as the liquidity and safety aspects before making investments

viii. Insist on getting the terms and conditions in writing duly signed and stamped. Read these terms and conditions carefully particularly regarding advisory fees, advisory plans, category of recommendations, etc. before dealing with an Investment Adviser.

ix. Be vigilant in your transactions.

x. Approach the appropriate authorities for redressal of your doubts/grievances.

xi. Inform SEBI about Investment Advisers offering assured or guaranteed returns.

  • Don’ts

xii. Don’t fall for stock tips offered under the pretext of investment advice.

xiii. Do not provide funds for investment to the Investment Adviser.

xiv. Don’t fall for the promise of indicative or exorbitant or assured returns by the Investment Advisers. Don’t let greed overcome rational investment decisions.

xv. Don’t fall prey to luring advertisements or market rumors.

xvi. Avoid doing transactions only on the basis of phone calls or messages from any Investment adviser or its representatives.

xvii. Don’t take decisions just because of repeated messages and calls by Investment Advisers.

xviii. Do not fall prey to limited period discounts or other incentives, gifts, etc. offered by Investment advisers.

xix. Don’t rush into making investments that do not match your risk-taking appetite and investment goals.

xx. Do not share the login credentials and passwords of your trading and Demat accounts with the Investment Adviser.

Compliance Audit Status
“Disclosure with respect to compliance with Annual compliance audit requirement under Regulation 19(3) of SECURITIES AND EXCHANGE BOARD OF INDIA (INVESTMENT ADVISERS) REGULATIONS, 2013 for last and current financial year are as under :
Sr. No. Financial Year Compliance Audit Status Remarks, If any
1 FY 2020-21 Conducted NA
2 FY 2021-22 Not Conducted NA