Mutual Fund & SIP Architecture
Evidence‑based allocation that aligns life goals, liabilities & risk capacity with disciplined rebalancing, tax optimisation and downside capture metrics — not hype or near‑term noise.
Advisory Pillars
The structural disciplines behind every recommendation.
Goal & Liability Mapping
Time horizon slicing (ultra short, near, mid, long) & liability alignment ensures assets are sold strategically — not forced by cash flow shocks.
Risk Bucket Allocation
Segmentation across Stability (liquid / money), Income (short / target maturity), Growth (equity / hybrid) & Satellite (factor / thematic) with caps.
Quant + Qual Analytics
Rolling returns, downside deviation, capture ratios, expense drift, manager consistency; no reliance on 1Y/3Y point snapshots.
Systematic Rebalancing
Threshold +/- bands around model weights trigger partial rebalances; reduces behavioural errors & volatility drag.
Tax Efficiency & Harvesting
Gain harvesting vs loss harvesting decisions integrated with goal calendar; minimises frictional drag & preserves compounding base.
Behavioural Guardrails
Pre‑committed rules for volatility events; communication templates for panic phases maintain strategy continuity.
Allocation Framework
Illustrative structure (customized individually — not advice). Shows purpose alignment, not product pushing.
Disclaimer: Illustration only, not a recommendation. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Advisory Workflow
Structured loop from profiling to continuous governance.
1. Profiling
Goals, liability calendar, cash flow surplus, risk capacity & behavioural tolerance capture.
2. Architecture
Bucket sizing, product universe narrows via qualitative + quantitative screens.
3. Deployment
SIP ladder schedules & lump sum phasing (STP) to mitigate timing risk.
4. Monitoring
Rolling performance, risk drift, style / mandate change alerts & expense tracking.
5. Rebalance
Band breaches trigger partial realignment; tax / exit load weighted decisions.
6. Review
Quarterly snapshot + annual strategic recalibration & documentation.
Frequently Asked Questions
Clarity around process, selection & governance.
How is a scheme shortlisted beyond past returns?
We emphasise rolling & downside metrics, active share persistence, process stability, portfolio construction & risk adjusted return quality over isolated CAGR snapshots.
Why not only index funds?
Core allocation may include low‑cost index. Select active strategies with demonstrated risk management / alpha stability can enhance outcomes when sized under governance rules.
What triggers an exit from a fund?
Mandate drift, persistent underperformance vs category + style peers on rolling windows, key team exits, size/ liquidity stress, expense escalation or strategy process dilution.
How is SIP amount determined?
Goal future value requirements (inflation adjusted) back‑solved using realistic expected return range, factoring existing corpus & conservative surplus continuity assumptions.
When to pause SIP during corrections?
We generally continue SIPs; in severe dislocations we may accelerate (top‑up) if emergency buffer intact. Pausing purely on volatility often harms long‑term IRR.
Need a Portfolio Second Opinion?
Upload current statement + goal list and receive a concise diagnostic: overlap, expense drag, risk drift, rebalancing actions & tax implications.
- Data‑driven scheme screening
- Behavioural coaching framework
- Quarterly drift surveillance
- Tax & cost optimisation
- Transparent fee model
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. Past performance & metrics are not indicative of future results. Illustrations here are educational, not personalised advice.