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.

Why Investment Plans?

Institutional investors fare better in all kinds of markets because they have a very clear set of investment directives. Alongside, seasoned investor 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. At Modulor Capital®, we have identified three important purposes operating in the lives of individuals and families – Wealth, Goals, and Cash-flow.

Invest like Institutions

Our customizable investment plans are a cascade of portfolios with incremental return-risk profiles. These portfolios are professionally managed, spread across asset classes, and use systematic strategies providing individuals and families the edge of investing like institutions.

Waterfall Model

The plans arrange our portfolios in a cascading waterfall to ensure everything weaved in the structure of life is covered, whether it is the desires you think of or the needs you may overlook. The waterfall model ensures that required needs are funded first and the excess spills into funding desires. You set the priorities, we ensure they are aptly met.

Wealth Waterfall

Wealth is Relative.

Investment Plan for the purpose of becoming rich, staying rich, creating new wealth, and leaving a legacy.

Designed to cover life, the QVGS Wealth Waterfall starts by funding contingencies to create a psychological buffer. It then proceeds to fund retirement, which may happen unexpectedly from the present till a formal event. The Wealth Waterfall then proceeds to accumulate wealth to ensure the individual or family stays rich. Finally, the waterfall spills the excess funding into wealth creation and eventually creating a legacy.

Key Features:
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Core and Satellite Portfolios

Start with low-risk Multi-asset portfolios spread over Equity, Gold, and Bonds. Move to high-reward Equity-centric portfolios spread over Diversified and Thematic-equity as wealth levels grow.

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Low-ticket to High-ticket Size Portfolios

Begin investing through Low-ticket size portfolios using Mutual Funds. Expand to high-ticket size portfolios using stocks to experience growth faster.

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Move through Wealth-Levels

Easily navigate through wealth levels starting as a Beginner investor, growing to become an Aspirational rich and finally settling as an Established rich individual or family.

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Strong Foundation

Leave a legacy with a strong foundation of multiple asset classes and growing through multiple strategies that work for you.

Portfolio-Cascade in the QVGS Wealth Waterfall
  • Create a rock-solid financial foundation at any age
  • Best used to cover contingencies, create a psychological buffer, and save for retirement
  • Mutual Funds Portfolios
  • 5 Assets
  • Multi-Strategy
  • Low-Ticket
  • Core Portfolio
  • Accumulate wealth the right way to create and perpetuate prosperity
  • Best used to accumulate a diversified corpus
  • Mutual Funds Portfolios
  • 3 Assets
  • Multi-Strategy
  • Low-Ticket
  • Core Portfolio
  • Grow and accumulate wealth to leave a legacy with a time horizon of 10 years and beyond.
  • Apply the time-tested principles of value and growth investing
  • Stock Portfolios
  • Diversified-equity
  • Multi-Strategy
  • High Ticket
  • Satellite Portfolio
  • Grow and accumulate wealth to leave a legacy with a time horizon of 10 years and beyond
  • Apply the time-tested principles of value and growth investing
  • Stock Portfolios
  • Thematic
  • Single-Strategy
  • High Ticket
  • Satellite Portfolio
  • Multiplying capital by envisioning emerging themes over the long run
  • Invest in companies with the possibility of Venture Capital returns
  • Stock Portfolios
  • Thematic
  • Single-Strategy
  • High Ticket
  • Satellite Portfolio
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Goals Waterfall

Goals are Personal.

Investment Plan for the purpose of funding/financing time-critical or aspirational goals.

Designed to fund or finance goals, the QVGS Goals Waterfall assigns different attributes to goals to classify them. These are:

  • Time-critical vs. Open-Ended
  • Essential vs Aspirational
  • Funding vs Financing
  • Long, Medium, or Short-term.

By assigning different attributes to goals, multiple goals can be funded in parallel. This means after the long-term and critical goals are well funded the incremental funding can spill into aspirational and short-term goals.

Key Features:
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Long-term Goals

Fund long-term and time-critical goals with tactically managed, passive, index-based portfolios that have lower volatility and higher returns than the market over long periods using mutual funds.

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Medium-term Goals

Finance time-critical and medium-term goals with high liquidity using broad-based stock portfolios.

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Short-term Goals

Finance performance for aspirational or short-term goals using higher risk-return profiles stock portfolios.

Portfolio-Cascade in the QVGS Wealth Waterfall
  • Best used for Funding Goals (where capital is retired on completion) which are essential (not aspirational) and time-critical (not open-ended)for the long-term
  • Mutual Funds
  • Broad-market
  • Monthly Review
  • Core Portfolio
  • Best used for Funding/ Financing Goals (where capital is retired or principal reused on completion) which are aspirational (not essential) and time-critical (not open-ended)for the medium-term
  • Stock
  • Diversified-equity
  • Monthly Review
  • Satellite Portfolio
  • Best used for Financing Goals (where the principal is reused on completion) which are aspirational (not essential) and open-ended (not time-critical)for the short-term
  • Stock
  • Diversified-equity
  • Weekly Review
  • Satellite Portfolio
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Cash-Flow Waterfall

Cash-flow is Essential.

Investment Plans for the purpose of income replacement/supplementation or profit-generation.

Designed to create income or generate profit, the QVGS Cash-Flow Waterfall can be used at any stage of life for income replacement, income supplementation, or profit generation. Income portfolios are suitable for retired individuals as well as families facing variability in regular income to create disposable income, while profit generation portfolios are intended to create discretionary income.

Key Features:
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Mutual Fund Portfolios

Start with fixed-income-based mutual fund portfolios for creating replacement, supplementation, or buffer for disposable income whether post-retirement (when alternate income is not available) or to create a buffer to supplement variable income.

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Equity-Based Tax Saving Mutual Funds

Save tax and de-risk by generating profit through equity-based tax saving mutual funds to create discretionary income.

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Broad-Based Stock Portfolios

Create active discretionary income through broad-based stock portfolios based on strategies to book profits as well as preserve capital.

Portfolio-Cascade in the QVGS Wealth Waterfall
  • Create an income replacement or supplementation while preserving corpus using fixed income.
  • Best used to cover fixed expenses.
  • Income
  • Mutual Funds
  • Fixed-Income
  • Save tax under section 80C, grow capital, and also book profits from time to time.
  • Profit booking ensures de-risking of locked-in capital.
  • Profit-Generation
  • Mutual Funds
  • Equity
  • Generating short-term profits over 3 years or beyond.
  • Best used for adding disposable income (not for monthly expenses).
  • Profit-Generation
  • Stocks
  • Equity
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Looking for a specific solution?

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.

SEBI Registration Certificate
License granted on 11 September, 2020

Investment advisory – Number of complaints
Data and Trends

Data for the month ending December 2021

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 December 2020 0 0 0 0
2 January 2021 0 0 0 0
3 February 2021 0 0 0 0
4 March 2021 0 0 0 0
5 April 2021 0 0 0 0
6 May 2021 0 0 0 0
7 June 2021 0 0 0 0
8 July 2021 0 0 0 0
9 August 2021 0 0 0 0
10 September 2021 0 0 0 0
11 October 2021 0 0 0 0
12 November 2021 0 0 0 0
13 December 2021 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 on 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
Grand Total 0 0 0 0

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