Outperform the Market with Zero Guesswork.

A model portfolio is a pre-designed collection of mutual funds selected based on specific investment objectives, time horizons, and risk profiles. Unlike personalized advice, these are ready-made solutions that follow a systematic, data-driven approach to fund selection and allocation.

Model portfolios are standardized investment solutions designed for specific investor profiles, while personalized advice considers your unique financial situation, goals, tax circumstances, and other individual factors. Model portfolios are more cost-effective but don't account for your complete financial picture like personalized advice would.

Our model portfolios are reviewed and updated every 6 months to ensure optimal performance. However, if market conditions warrant immediate changes, we may update them sooner. All updates are communicated via WhatsApp alerts so you can take timely action.

We use a proprietary data-driven algorithm based on Pattern Analysis that evaluates funds across multiple parameters including risk-adjusted returns, consistency, fund manager tenure, expense ratio, and portfolio concentration. We focus on direct mutual funds to minimize costs and maximize returns.

Model portfolios are designed to be used as-is for optimal performance. If you need customization based on your specific financial situation, you may want to consider our personalized advisory services instead, which offer tailored solutions at a higher price point.

While we strongly recommend implementing all suggested changes to achieve the expected performance, the decision is ultimately yours. Partial implementation may result in performance that differs from our benchmarks. Unlike personalized advice, we don't track individual implementation or provide reminders for pending actions.

No renewal fee is charged unless our portfolio outperforms the benchmark (Nifty 500). This performance-based fee structure aligns our interests with yours—we succeed only when you succeed. This differs from traditional advisory where fees are charged regardless of performance.

After purchasing a model portfolio, you'll receive detailed instructions on how to invest in each recommended fund through your preferred investment platform. Unlike personalized advice, we don't execute trades on your behalf—you maintain complete control over your investments.

If your circumstances change significantly, we recommend reassessing your portfolio selection. You can switch to a different model portfolio that better aligns with your new risk profile or time horizon. With personalized advice, advisors would proactively adjust your strategy based on life changes.

Model portfolios are ideal for DIY investors who understand basic investment concepts and are comfortable executing trades independently. If you have complex financial needs (like estate planning, tax optimization, or retirement planning), personalized financial advice may be more appropriate.

Our model portfolios have historically outperformed the Nifty 500 benchmark by 3-5% annually. However, past performance is not indicative of future results. We focus on consistency rather than chasing short-term returns, which differentiates us from approaches that recommend only recent top-performing funds.

Yes, we provide email support for clarification questions about your model portfolio. However, this differs from personalized advice where you'd have dedicated advisor access for comprehensive financial guidance. For specific personal financial advice, you would need to upgrade to our advisory services.