Core Investing
Portfolios

Core Investing portfolios are designed to Grow, Accumulate and Preserve large amounts of capital for individuals, families and institutions at lower than market risks and similar or better returns.

Core Principles

Specific principles are used in Core portfolio construction. These are as follows:

Minimize Risk

Target lesser than market risk, when possible

Tax Efficient

Minimize Capital Gains tax for better compounding

Lower Cost

Use low cost instruments and strategies

Broad-based

Use broad-based and passive exposures where possible

Medium to Long-term

Invest with a horizon of 5 to 10 years and beyond

Lower Drawdown

Seek lower Drawdowns through the use of Tactical Strategy

Multi-asset

Exposure to many sources of returns

De-risking

De-risk excessive Growth to Accumulation with rebalancing

Multi-Asset Core Portfolios

The Galactic Suite family of portfolios

When you decide to invest for your future self, be it 10, 20, 30, or 50 years from today, we respect your choice which requires a long-term commitment. During this time you may encounter:

  • Turbulence in the markets
  • Personal challenges

Investment portfolios suffer the most significant damage when these events coincide (need for money and drop in portfolio value).

The Galactic Suite provides a comfortable and doable investment journey while avoiding unsavory outcomes using 5 strategies to make 5 portfolios.

The galactic suite

ETF Portfolios

made using passive Exchange Traded Funds

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Evergreen

  • Useful for creating and growing wealth
  • Multi-asset | Dynamic Asset Allocation
  • Minimum INR 25k & SIP friendly
  • 5+ Years time horizon
Learn More & Get Invested
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Target

  • Useful for funding time-critical essential goals
  • Equity centric | Dynamic Marketcap Allocation
  • Minimum INR 25k & SIP friendly
  • 5+ Years time horizon
Learn More & Get Invested

Mutual Fund Portfolios

made using Index, Gold, Arbitrage and Debt Funds

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Prosperity

  • Useful for creating and growing wealth
  • Multi-asset | Dynamic Asset Allocation
  • Minimum INR 5L & SIP friendly
  • 10+ Years time horizon
Learn More & Get Invested
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Comfort

  • Useful for covering contingencies
  • Fixed Income/ Hybrid | Strategic Asset Allocation
  • Minimum INR 5L & SIP friendly
  • 10+ Years time horizon
Learn More & Get Invested
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Milestones

  • Useful for funding time-critical essential goals
  • Equity centric | Dynamic Marketcap Allocation
  • Minimum INR 5L & SIP friendly
  • 10+ Years time horizon
Learn More & Get Invested
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Foundation

  • Useful for covering retirement & contingencies
  • Multi-asset | Glide path Investing
  • Minimum INR 5L & SIP friendly
  • 10+ Years time horizon
Learn More & Get Invested
milkyway

Inspiration Behind the Galactic Suite

The Galactic Suite is inspired by The Milky Way galaxy, which has 5 arms in the shape of Golden Spirals. 5 itself is a Fibonacci number. Correspondingly, the Galactic Suite’s portfolios, are themselves a portfolio of 5 strategies representing the 5 arms of the Milky Way. Each of these strategies gives exposure to a separate asset class and is named after the arms of the Milky Way galaxy:

  1. Cygnus
  2. Perseus
  3. Sagittarius
  4. Scutum-Crux
  5. Norma

Our Solar system is located in a minor arm of the Milky Way called Orion.

Solution-Oriented Core Portfolios

The Continental Suite family of portfolios

the continental suite

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.

Mutual Fund Portfolios

made using Debt, ELSS. Index and Arbitrage Funds

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Income

  • Useful for Income Replacement
  • 3 Risk Configurations
  • Minimum INR 5L & SIP friendly
  • 10+ Years time horizon
Learn More & Get Invested
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Dividends

  • Useful for Income Supplementation
  • 3 Risk Configurations
  • Minimum INR 5L & SIP friendly
  • 10+ Years time horizon
Coming Soon
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Tax

  • Useful for Tax Saving
  • 1 Risk Configurations
  • Minimum INR 30k & SIP friendly
  • 3+ Years time horizon
Learn More & Get Invested

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. The Gulf is inspired by the shape of the Gulf of Mexico
  2. Africa is inspired by the shape of 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.

Compare All Core Portfolios

Portfolio Best Use Invest Now Risk Preferences Risk Capacity Risk Requirements Minimum Investment Amount Instruments Pricing
Ideal use case for investors Link to invest in this portfolio and specific platform Preferences are linked to volatility exposure in 3 buckets - - Low | Medium | High Capacity is linked to financial assets networth in 4 buckets - Beginner Investor (up to INR 10 Lac) | Covered Investor (up to INR 75 Lac )| Aspiring Rich (up to INR 3.75 Cr) | Established Rich (above INR 3.75 Cr) Requirements are linked to eventual use - Wealth | Goals | Cash-flow The minimum investment required to participate in this portfolio Core portfolios work with Mutual Funds (MFs) | Exchange Traded Funds (ETFs) We charge a FLAT pricing (2.00% p.a. of AUA billed monthly) or a SLAB pricing (Starting from 1.50% and dropping with size of investment to to 1.00% p.a., billed quarterly).
Useful for creating and growing wealth Low Beginner Investor Wealth INR 25,000/- ETFs FLAT
Useful for creating and growing wealth Medium Beginner Investor Wealth INR 25,000/- ETFs FLAT
Useful for creating and growing wealth High Beginner Investor Wealth INR 25,000/- ETFs FLAT
Useful for creating a retirement corpus and covering contingencies Open a MF account High | Medium | Low Covered Investor Wealth INR 10,00,000/- MFs SLAB
Useful for creating and growing wealth Open a MF account High | Medium | Low Covered Investor Wealth INR 10,00,000/- MFs SLAB
Useful for preserving wealth and creating liquidity Open a MF account High | Medium | Low Covered Investor Wealth INR 10,00,000/- MFs SLAB
Useful for funding time-critical essential goals Open a MF account High | Medium | Low Covered Investor Goals INR 10,00,000/- MFs SLAB
Useful for income Replacement & supplementation Open a MF account High | Medium | Low Covered Investor Cash-flow INR 10,00,000/- MFs SLAB
Useful for tax-saving and profit-generation Open a MF account Medium & Above Beginner Investor Wealth & Cash-flow INR 30,000/- MFs SLAB

Looking for Higher Return & Risk Portfolios?

Browse the Satellite Portfolios

Satellite Portfolios
SEBI Registration Certificate
License granted on 11 September, 2020

Investment advisory – Number of complaints
Data and Trends

Data for the month ending June 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 June 2021 0 0 0 0
2 July 2021 0 0 0 0
3 August 2021 0 0 0 0
4 September 2021 0 0 0 0
5 October 2021 0 0 0 0
6 November 2021 0 0 0 0
7 December 2021 0 0 0 0
8 January 2022 0 0 0 0
9 February 2022 0 0 0 0
10 March 2022 0 0 0 0
11 April 2022 0 0 0 0
12 May 2022 0 0 0 0
13 June 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 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
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 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.

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