Galactic Comfort

Multi-asset Universe | Strategic Asset Allocation | Quarterly Review

  • Useful for preserving wealth and creating liquidity
  • Time horizon of 10 years and beyond.
  • Start with a lump sum of INR 10 lac.
  • SIP friendly.

Suitability

Preference, Capacity and Requirement

Risk Preference

Three Risk Configurations:
Low | Medium | High

Risk Capacity

Covered Investor

Risk Requirement

Wealth

Strategic Asset Allocation

Strategic Asset allocation varies allocation between asset classes basis the view of the advisor linked to a set of variables such as time, economic measures, ratios, etc.

The Comfort portfolio participates in both fixed-income and volatility-linked assets. it uses inter-asset and intra-asset allocations to determine the portfolio composition as follows:

  • Inter-asset Strategic Allocation decides the percentage of the portfolio allocated to Equity-arbitrage and Debt as per the risk profile of the investor.
  • Intra-asset Strategic Allocation is done between ultra-short duration debt (of up to 90 days) and low duration debt (of up to 365 days) as per the interest rate scenario. In a rising interest rate regime, a lesser duration is preferred and vice versa in a falling interest rate regime.

3 Configurations

Available in 3 configurations - Concervative, Balanced & Aggressive suitable for different Risk Profiles

Prime

  • Long-term Capital Growth through Multi-asset high-volatility exposure approach.
  • Suitable for: Moderately Aggressive & Aggressive risk profiles.
  • Exposed to Equity Arbitrage, Ultra-short Duration Debt (of up to 90 days), and Low Duration Debt (of up to 365 days).
Grow

  • Long-term Capital Growth through Multi-asset balanced volatility-exposure approach.
  • Suitable for: Moderately Conservative & Balanced risk profiles.
  • Exposed to Equity Arbitrage, Ultra-short Duration Debt (of up to 90 days), and Low Duration Debt (of up to 365 days).
Save

  • Long-term Capital Growth through Multi-asset low-volatility exposure approach.
  • Suitable for: Conservative risk profile.
  • Exposed to Equity Arbitrage, Ultra-short Duration Debt (of up to 90 days), and Low Duration Debt (of up to 365 days).

Invest Now

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Portfolio Features

Solutions, System & Strategy

Strategy-based

5 Stage Investment Process

  1. Strategic – view on interest rates
  2. Red-flag – AMC fund cluster category availability & AMC stability
  3. Yellow-flag – AMC fund cluster deviation from objective
  4. Green-flag – AMC fund cluster weighted expense ratio
  5. Risk-management – dynamic asset & dynamic market-cap allocation
System-driven

Passive-Tactical

  • Up to 5 funds
  • Multi-asset Universe – Equity Arbitrage, Ultra-short Duration Debt (of up to 90 days), and Low Duration Debt (of up to 365 days).
  • Quantitative & Technical construction
  • Quarterly Outlook Review
  • Low Churn
  • Majority of trades fall under LTCG
Solution-oriented

Core Portfolio

  • Investment Objective – Preservation
  • Start with a minimum lump sum
  • SIP friendly
  • Suitable for preserving wealth and creating liquidity

Understand the 5-Stage Investment Process

Invest in the Prosperity Portfolio

Open a Mutual Fund Investment Account to access this portfolio

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Browse More Core Portfolios

Low Drawdown portfolios for the long-term

Core Portfolios
The 5-Stage Investment Process
The Research and Investment Process

The QVGS framework combines the Key Principles to form 3 Key Processes which are run over and over again to create and manage a portfolio. These are:

  1. Tactical Review Process
  2. 3 Flag Process (Red-flag, Yellow-flag & Green-flag)
  3. Risk Management Process

The result is Simple, yet Sophisticated.

Sophisticated investment decisions can be made by just answering 5 questions (from the 3 Key Processes) using mathematics, statistics, and probability:

  1. Is now the right time to be in the market or not? – Tactical Management Stage
  2. Which stocks should be removed from consideration? – Red Flag Stage of the 3 Flag Process
  3. All things being ideal, which stocks would be our top preference? Yellow Flag Stage of the 3 Flag Process
  4. Considering the real scenario, which stocks are likely to show movement sooner? Green Flag Stage of the 3 Flag Process
  5. What is the confidence ascribed to the signal considering stages 1, 3, and 4 to take the optimum position size? Risk Management Stage
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