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.
SIP Estimator
Project a simple, illustrative SIP outcome. Assumptions are educational, not assurances.
- Keep an emergency buffer before starting SIPs.
- Use diversified core allocation; size any tactical themes conservatively.
- Review annually and rebalance within preset bands.
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?
Why not only index funds?
What triggers an exit from a fund?
How is SIP amount determined?
When to pause SIP during corrections?
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.