Wealth management
A portfolio that follows from the plan
Portfolio construction against stated objectives, with the reasoning written down and the costs disclosed.
The problem
Most portfolios are an accumulation rather than a design: a fund bought on a recommendation, another after a good year, employer stock nobody rebalanced, a policy that turned out to be an investment. The result has an allocation, but not one anybody chose.
Our approach
Allocation follows from when the money is needed and what it is for. We write down the objective for each portion of the portfolio, build to it, and rebalance against bands rather than dates.
Costs are disclosed in rupees rather than basis points, because a percentage is easy to discount and a number is not.
What we help with
- Consolidating overlapping and duplicated holdings
- Setting allocation by goal and horizon rather than by product
- Rebalancing policy with defined bands
- Tax-aware implementation and harvesting where it is worthwhile
- Cost analysis across funds, platforms and advice
Who this is for
- Investors with holdings accumulated over years without a plan
- People approaching a point where sequence risk begins to matter
- Anyone who cannot currently state their own asset allocation
How it works
- 01
Audit
What you hold, what it costs, and what it is actually exposed to.
- 02
Design
An allocation derived from your goals and timelines, written down with its reasoning.
- 03
Transition
A sequenced move from here to there, with tax consequences modelled first.
- 04
Maintain
Rebalancing against bands, reviewed on a set schedule.
What changes as a result
An allocation you chose
Rather than one the last five years chose for you.
Costs you can see
Total cost in rupees, across every layer.
Discipline in bad years
A written policy is what makes rebalancing possible when it feels wrong.
We do not forecast markets, time entries, or recommend anything we cannot explain in a sentence you would repeat to a sceptical friend.
Schedule a confidential consultation
Forty-five minutes, no obligation, and no charge. If we are not the right firm for what you need, we will say so and point you somewhere better.
Anything you share is held in confidence. We ask only for what we need to prepare for the conversation — never account numbers or login details.
Related services
- Wealth managementOngoing coordination of investments, tax, protection, property and succession, so that decisions stop being taken in isolation.
- Family office servicesGovernance, consolidated reporting and administration for families whose affairs have outgrown individual management.
- Portfolio planningAllocation, rebalancing policy and risk budgeting for an existing portfolio.