How we work
Deep research goes in. A plan you can act on comes out.
There are more than ten thousand investable products in India before you count global markets. Most of the work is deciding what not to own. This is how we narrow it, and what we rely on to do it.
From ten thousand products to a portfolio
Screening, then scrutiny, then a portfolio built for your specific plan.
Data and research sources we work with
Source names are used for identification only and imply no endorsement or affiliation.
Why we diversify, in one table
Leadership rotates every year. Equity ran from +30% to low single digits; gold from +30% to −4%. An equal-weight portfolio captured much of the upside while sidestepping the worst — a far steadier ride. The best asset class in each year is highlighted.
| Year | Equity | Debt | Cash | Gold | Diversified |
|---|---|---|---|---|---|
| 2016 | 4.4 | 14.9 | 7.6 | 11.3 | 9.6 |
| 2017 | 30.3 | 0.9 | 6.7 | 5.1 | 10.8 |
| 2018 | 4.6 | 6.7 | 7.6 | 7.9 | 6.7 |
| 2019 | 13.5 | 11.6 | 6.9 | 23.8 | 13.9 |
| 2020 | 16.1 | 12.3 | 4.3 | 27.9 | 15.2 |
| 2021 | 25.6 | 1.9 | 3.4 | -4.2 | 6.7 |
| 2022 | 5.7 | 0.8 | 4.8 | 13.9 | 6.3 |
| 2023 | 21.3 | 7.3 | 7.0 | 12.0 | 11.9 |
| 2024 | 10.1 | 9.9 | 7.4 | 19.0 | 11.6 |
| 2025 | 2.2 | 9.0 | 6.8 | 30.0 | 12.0 |
Past performance is not indicative of future returns. Indices are shown for illustration; you cannot invest directly in an index. This table is educational and is not a recommendation to adopt any particular allocation.
The case for looking beyond India
India is one great market. The world has many.
Own what you cannot buy here
Semiconductors, global platform businesses and consumer brands that are simply not listed on Indian exchanges.
Cut single-country risk
India is a modest slice of global market capitalisation. Concentration is a choice, and it should be a deliberate one.
A smoother ride
Markets peak and trough at different times. Exposure across them dampens the swings in your own portfolio.
The currency effect
A depreciating rupee has historically added to the rupee value of overseas assets. It can also reverse, and it is a risk in its own right.
Investing abroad brings its own obligations — LRS limits, tax treatment and annual reporting of foreign assets. We plan for those alongside the allocation. See our cross-border guide and residency calculator.
Where advice becomes an advantage
Proprietary tools
Back-testing, Monte Carlo simulation and our Cash Ladder, which maps which bucket funds which year of your retirement.
Behaviour management
The largest single cost in most portfolios is the investor’s own reaction. We are there when markets get loud.
Staying the course
A formal six-monthly review and monitoring in between, including the times the right answer is to do nothing.