Your wealth is too complex for a rotating bank RM.

Most HNI portfolios carry 20 funds that say different things but own the same stocks. You are paying for complexity that delivers none. One person, one strategy, built around what you actually own.

Book a Portfolio Review

Over-diversified. Under-served? There is a better way.

At ₹5 crore+, your portfolio has too many moving parts for a relationship manager who rotates every year. You need someone who sees the full picture: how your mutual funds sit with your PMS, how tax efficiency can meaningfully improve returns, how alternative assets like art strengthen your wealth story. That’s portfolio building. That’s what I do.

The consolidation that changed everything

One portfolio had 130 mutual funds. Massive overlap. Impossible to track. No strategy, just accumulation. We consolidated to 15 funds, eliminated duplicate holdings (HDFC Bank was 3% of the portfolio across 7 different funds), and added PMS and GIFT City products for specific alpha goals.

Result: Lower fees, better returns, tax-optimized rebalancing, and one person who actually knew what was going on.

How I build your portfolio

Four product types, one strategic approach.

Mutual Funds

Diversified, liquid, tax-efficient. We select funds that complement your overall strategy. We monitor performance quarterly and rebalance ruthlessly.

PMS (Portfolio Management Services)

Customized, actively managed, discretionary. For specific alpha goals your mutual fund portfolio can’t achieve. We pick the right PMS manager for your risk profile.

AIFs (Alternative Investment Funds)

Infrastructure, real estate debt, structured products. These add return patterns that don’t correlate with equities. Strategic allocation here smooths volatility and boosts risk-adjusted returns.

GIFT City & Art

GIFT City funds offer tax-efficient exposure to specific themes. And 15% of my HNI clients invest in art, a genuine diversifier with inflation protection. It’s what sophisticated portfolios do.

Tax Optimization

Every recommendation starts with: “What’s your tax situation?” We optimize tax outcomes for clients ₹significant amounts annually through strategic harvesting and smart allocation.

Ongoing Monitoring

Quarterly reviews, rebalancing when allocation drifts, manager changes when funds underperform. Your portfolio isn’t set and forget. It’s alive.

How we work together

Questionnaire

I send you detailed questions about your current situation, goals, risk tolerance, and what you’ve been doing with your wealth.

Discovery Call

We get on a call to dig deeper. I understand your financial goals, your pain points, and what success looks like for you.

Portfolio Review

Full audit of your existing portfolio. Where’s the overlap? What’s underperforming? What’s tax-inefficient?

Recommendations

Based on your goals and current holdings, we discuss which products make sense to add, consolidate, or eliminate.

Ongoing Reviews

At least every six months, we review performance, rebalance, and adapt to changes in your life or the market.

Questions HNIs usually ask

Get clarity on what to expect.

What’s your fee structure?

I earn a distributor commission from the fund house on mutual funds, not from you. On PMS and AIFs, fees vary by product and manager. I disclose all fees upfront before any investment. No hidden charges.

How hands-on are you?

Very. I personally review your portfolio, make recommendations, and monitor performance. No relationship manager will rotate you to a junior. You get me, consistently.

Can you handle complex situations like family wealth or multiple accounts?

Yes. I coordinate across multiple accounts, help with spousal allocations for tax optimization, and align investments with your broader financial plan.

What if I already have a PMS or AIF?

I’ll review it, see how it fits your overall strategy, and optimize your allocation if needed. I care about your total portfolio working as a system.

How often should we talk?

Quarterly reviews are standard. If markets are volatile or you’re making a major life change, we talk more. I’m accessible if you have questions.

Ready to orchestrate your wealth?

Let’s audit your full portfolio. You’ll see exactly where overlap is costing you, where tax optimization can add returns, and what portfolio building could actually change.

Book a Free Strategy Review