Ready-made
Investment Plans
For Individuals and Families
Invest in plans for creating wealth, achieving financial 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
Key Features:
Start with Multi-Strategy Portfolios
Preserve and grow wealth to become rich by investing in multiple asset classes (domestic equity, international equity, gold, corporate bonds, and government bonds) using low ticket-size instruments such as mutual funds.
Higher Ticket Size Portfolios
Expand to higher ticket size portfolios with higher risk-return portfolios through broad-based stock portfolios as wealth levels progress to stay rich.
Thematic Stock Portfolios
Move from broad market-based to thematic stock portfolios to create new wealth.
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
- 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
- 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
- Broad-market
- Multi-Strategy
- High Ticket
- 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
- 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
Goals Waterfall
Key Features:
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.
Medium-term Goals
Finance time-critical and medium-term goals with high liquidity using broad-based stock portfolios.
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
- Funding multiple time-critical goals to be achieved in 10 years or beyond.
- Best used for essential goals.
- Mutual Funds
- Index-based
- Funding
- Monthly Review
- Long-term
- Time-Critical
- Funding multiple time-critical goals to be achieved in 5 years or beyond.
- Best used for aspirational goals (and not essential goals).
- Stock
- Broad-based
- Funding / Financing
- Monthly Review
- Medium-term
- Time-Critical
- Financing open-ended goals to be achieved in 3 years or beyond. Best used for aspirational goals (and not essential goals).
- Stock
- Broad-based
- Financing
- Weekly Review
- Short-term
- Aspirational
Cash-Flow Waterfall
Key Features:
Broad-Based Stock Portfolios
Create discretionary income through broad-based stock portfolios based on strategies to book profits as well as preserve capital.
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.
Equity-Based Tax Saving Mutual Funds
Save tax and generate profit through equity-based tax saving mutual funds to create discretionary income.
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
Looking for a specific solution?
Explore Tailor-made Model PortfoliosPricing
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 investment plans. It is included in the pricing of our portfolios.
