QVGS Continental tax

Continental Tax

TAX-SAVING curated ELSS mutual fund portfolios (under Section 80C), grow capital and generate profits

Overview

The Continental Tax portfolio is exposed to Indian Equities through the ELSS category of Mutual Funds. It invested to save-tax, grow capital and, generate profits through dividends.

The portfolio intends to de-risks capital since there is a lock-in of 3 years and add capital during low market swings.

Reviewed quarterly, the portfolio is suitable for Balanced risk-profile and above.

Core Investment Objectives

of the Tax Portfolio

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I. Growth

Create wealth (through human efforts) through various economies using:

  • Himalaya Algorithm for India Equities
Satellite Investment Objectives

of the Tax Portfolio

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A. Profit-generation

Generating profit from risk capital for consumption

  • Himalaya Algorithm for India Equities

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Tax Portfolio


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Portfolio Features

Solutions, System & Strategy

Solution

Investment Objective 

Core Portfolio
  • Save-tax with a time horizon of 3 years and generate profits at intervals
  • Gain by investing in Actively-managed Diversified-Equity portfolios
  • Start with a minimum lump sum and add more using SIP or lump sum at any schedule
System

Parameters 

Diversified-Equity
  • 1 Asset Classes (India Equity)
  • Quarterly Fund Review for India Equity
  • Mutual Funds holdings only
Strategy

Portfolio Features 

Himalaya Algorithm
  1. Diversified-equity creating 1 Risk Configuration
Suitability

Preferences, Capacity & Requirements

Risk Preferences

Exposure to volatility 

Single-Configuration

Suitable for: All Risk Profiles

Risk Preferences Criteria for Core Portfolios
Risk Capacity

Minimum ticket size of investment 

HIGH
  • Minimum Capital: 1.5 Lac. p.a.
  • Ticket Size: Low ✕ | Medium ✓ | High ✓
Risk Capacity Criteria for Core Portfolios
Risk Requirements

Minimum Holding Period 

3 Years+
  • Short-term (to be realized after 3 years or beyond)
Growth Assets

The Investment Objective of Create wealth (through human efforts) through various economies

India Equities

Managed using the Himalaya Algorithm

Features of the Himalaya Sub-Portfolio

  • Takes exposure to diversified-equity ELSS mutual funds.
  • ELSS funds have tax-saving features.
  • Funds are chosen in dividend mode so as to de-risk capital from time to time.
Invest in the Tax Portfolio

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Tax Portfolio


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Principal Officer
Continental Suite

Multi-Asset Portfolios for Growth, Preservation, Income-creation and Profit-generation.

QVGS Continental income
View Details
The Continental Family of Portfolios

Specific needs such as Income Generation and Tax Saving need specific solutions. Hard-earned capital used for income generation requires:

  • Capital Preservation
  • Maximum Availability of Income
  • Tax Efficiency

Tax savings employs locked-in solutions which are volatile and require de-risking capital by profit-taking. The Continental Suites provides specifically tailored solutions that can easily be implemented using 3 strategies combined to make 2 portfolios.

Inspiration Behind The Continental Suite

The Continental Suite is inspired by The continental features on the earth shaped as Golden Spirals. A golden spiral is a natural shape in which continental features fold when faced with tectonic forces.

  1. Gulf is inspired by the shape of the Gulf of Mexico
  2. Africa is inspired by the shape of the the African continent
  3. Himalaya is inspired by the shape of the Himalayan Range folding at the Pamir Knot and the constant erosion of the mountains as they grow.
5 Point Risk Criteria
for Core Portfolios

Criteria of 5 Point Scale for Indian Equities:

  • Conservative (limited to NIFTY50)
  • Moderately Conservative (limited to NIFTY50 & NIFTY100 in different proportions)
  • Balanced (limited to NIFTY50, NIFTY100 & NIFTY NEXT50 in different proportions)
  • Moderately Aggressive (limited to NIFTY50, NIFTY100, NIFTY NEXT50 & MIDCAP150 in different proportions)
  • Aggressive (limited to NIFTY100, NIFTY NEXT50 & MIDCAP150 in different proportions)

Criteria of 5 Point Scale for U.S. Equities:

  • Conservative (limited to S&P500)
  • Moderately Conservative (limited to S&P500 & NASDAQ100 in different proportions)
  • Balanced (limited to S&P500 & NASDAQ100 in different proportions)
  • Moderately Aggressive (limited to S&P500 & NASDAQ100 in different proportions)
  • Aggressive (limited to NASDAQ100)

Criteria of 5 Point Scale for Gold:

  • Conservative (limited to Sagittarius A Strategy)
  • Moderately Conservative (limited to Sagittarius A & Sagittarius B Strategy in different proportions)
  • Balanced (limited to Sagittarius A & Sagittarius B Strategy in different proportions)
  • Moderately Aggressive (limited to Sagittarius A & Sagittarius B Strategy in different proportions)
  • Aggressive (limited to Sagittarius B Strategy)

    Criteria of 5 Point Scale for Corporate Bonds:

    • Conservative (limited to 100% AAA)
    • Moderately Conservative (limited to 100% AAA & 90% AAA in different proportions)
    • Balanced (limited to 100% AAA, 90% AAA & 80% AAA in different proportions)
    • Moderately Aggressive (limited to 100% AAA, 90% AAA & 80% AAA in different proportions)
    • Aggressive (limited to 100% AAA, 90% AAA & 80% AAA in different proportions)

    Criteria of 5 Point Scale for Government Bonds:

    • Conservative (limited to Fixed Maturity)
    • Moderately Conservative (limited to Fixed and Variable Maturity in different proportions)
    • Balanced (limited to Fixed and Variable Maturity in different proportions)
    • Moderately Aggressive (limited to Fixed and Variable Maturity in different proportions)
    • Aggressive (limited to Variable Maturity)
    3 Point Risk Capacity Criteria
    for Core Portfolios

    Criteria 3 Point Scale:
    Minimum ticket size invested one-time or cumulatively per annum.

    • Low (Up to 1 lac)
    • Medium (1 to 5 lac)
    • High (5 lac and above)

     

      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