PORTFOLIO MANAGEMENT
Strategic portfolio construction with regular rebalancing to ensure your investments stay aligned with market conditions and your evolving financial goals.
Portfolio management is the art and science of selecting and overseeing a group of investments that meet your long-term financial objectives and risk tolerance. It's not just about picking good funds—it's about creating a balanced mix of assets that work together to achieve your goals.
Think of it as building a cricket team: you need batsmen, bowlers, all-rounders, and a wicketkeeper—each playing their role. Similarly, your portfolio needs equity for growth, debt for stability, gold for hedging, and cash for liquidity. Our portfolio management service ensures these elements work in harmony.
Strategic distribution across equity, debt, gold, and other asset classes based on your risk profile and goals.
Spreading investments across sectors, market caps, and geographies to reduce concentration risk and volatility.
Quarterly portfolio adjustments to maintain target allocation. Sell high-performing assets, buy undervalued ones.
Continuous monitoring of portfolio volatility, drawdowns, and correlation to ensure risk stays within acceptable limits.
Six critical reasons why DIY portfolio management often falls short
Market volatility triggers fear and greed. When Sensex crashes 10%, panic selling feels right but is often wrong. We use data-driven rules, not emotions, to make portfolio adjustments—protecting you from costly behavioral mistakes.
Should you have 70% equity and 30% debt? Or 60-40? Or 80-20? The right allocation depends on your age, goals, risk capacity, and market valuations. We determine the optimal mix scientifically using modern portfolio theory and rebalance it regularly.
Capital gains tax can eat into returns. We proactively book losses to offset gains, reduce tax liability, and reinvest savings. This tax-alpha strategy can add 0.5-1% to your annual returns—compounding to lakhs over decades.
Is your portfolio beating the benchmark? Which funds are underperforming? What's your risk-adjusted return? We track 15+ metrics monthly—rolling returns, Sharpe ratio, alpha, beta, drawdowns—and take corrective action when needed.
After a bull run, your 60% equity allocation might become 75%—increasing risk beyond your comfort level. Rebalancing forces you to "sell high, buy low" systematically. We rebalance quarterly or when allocations drift beyond tolerance bands.
Managing a portfolio properly requires 5-10 hours per month—researching funds, tracking performance, filing taxes, rebalancing. Outsource this to us and focus on your career and family. We handle the complexity; you enjoy the results.
Avoid these costly errors that destroy long-term wealth
Randomly buying funds without a strategic asset allocation plan. 90% of portfolio returns come from asset allocation, not fund selection. Define your equity-debt-gold mix first, then choose funds.
Setting a portfolio once and forgetting it for years. Markets move unevenly—equity might surge while debt stagnates. Without rebalancing, you drift from your target risk level and miss opportunities to "buy low, sell high."
Putting 80% in technology stocks or 100% in small-cap funds. Concentration magnifies risk. When that sector crashes, your portfolio crashes. True diversification means spreading across sectors, market caps, and asset classes.
Shifting portfolio to last year's top-performing category. Small-cap funds gave 40% returns? Switching everything to small-caps now means buying high. Performance cycles rotate—what worked yesterday rarely works tomorrow.
Frequent buying and selling without considering capital gains tax. Short-term capital gains are taxed at 20%—eroding returns significantly. We structure transactions to minimize tax drag through strategic holding periods and tax-loss harvesting.
Never reviewing fund performance or portfolio health. Funds deteriorate over time—management changes, strategy drift, AUM bloat. Without quarterly reviews, you hold dead weight that drags down returns. We systematically replace underperformers.
Our systematic portfolio management process ensures your investments are optimized for returns while keeping risk in check.
Get Portfolio AnalysisA proven framework for building and maintaining wealth
We assess your risk capacity (ability to take risk) and risk tolerance (willingness to take risk). Then map each financial goal—retirement, children's education, home purchase—to specific time horizons and required corpus amounts.
Based on your profile, we determine optimal asset allocation: equity for growth, debt for stability, gold for hedging, international for diversification. This strategic allocation drives 90% of long-term returns—not market timing or fund selection.
Within each asset class, we select best-in-class funds across categories: large-cap, mid-cap, small-cap, flexi-cap for equity. Short-term, medium-term, credit funds for debt. We ensure diversification across sectors, market caps, and fund houses.
Every quarter, we review your portfolio. If equity surged from 60% to 70%, we trim equity and add to debt—locking profits and reducing risk. If allocations drift beyond ±5%, we rebalance. This disciplined "sell high, buy low" approach enhances returns.
We track absolute returns, rolling returns, risk-adjusted returns (Sharpe ratio), benchmark comparison, and goal progress. You receive quarterly performance reports with clear visualizations, insights, and recommendations—full transparency on how your wealth is growing.
We minimize tax drag through strategic holding periods, tax-loss harvesting (booking losses to offset gains), and choosing tax-efficient fund structures. This "tax alpha" can add 0.5-1.5% annually to your after-tax returns—compounding to significant wealth over decades.
Comprehensive services for complete peace of mind
Complete analysis of your existing investments, asset allocation review, and gap identification
Personalized equity-debt-gold mix aligned with your risk profile and financial goals
Portfolio adjustments every 3 months to maintain target allocation and optimize returns
Detailed quarterly reports with returns analysis, benchmark comparison, and goal tracking
Proactive booking of losses to offset gains and reduce capital gains tax liability
Consolidated capital gains statements for easy ITR filing and tax planning
Replace underperforming funds with better alternatives based on performance metrics
Email/phone support for investment queries, life changes, and portfolio adjustments
Get a free portfolio review and discover opportunities to improve returns while reducing risk.
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