A structured, documented, and repeatable process for recommending mutual fund schemes based entirely on objective analysis.
We follow a rigorous 10-step process to ensure every recommendation aligns with your financial goals.
Matching asset classes to your goals and risk score.
Evaluating brand reputation, AUM, and management stability.
Analyzing performance across 1, 3, and 5-year cycles.
Assessing Sharpe, Sortino, and Beta for risk-adjusted returns.
Prioritizing schemes with competitive Expense Ratios.
Reviewing fund manager tenure and style consistency.
Checking concentration risk and credit quality (Min AA-).
Matching scheme risk labels with investor tolerance.
Final validation of the recommended shortlist.
Annual performance review and objective replacements.
Every investor is mapped to a risk profile. Recommendations are made only within appropriate categories.
| Risk Profile | Score Range | Indicative Allocation | Recommended Assets |
|---|---|---|---|
| Conservative | 12 – 19 | Debt: 75% | Equity: 10% | Gold: 15% | Liquid, Short Duration Funds |
| Moderately Conservative | 20 – 26 | Debt: 55% | Equity: 30% | Gold: 15% | Conservative Hybrid, Large Cap |
| Moderate | 27 – 33 | Debt: 35% | Equity: 50% | Gold: 15% | Balanced Advantage, Hybrid |
| Moderately Aggressive | 34 – 40 | Debt: 15% | Equity: 75% | Gold: 10% | Flexi Cap, Large & Mid Cap |
| Aggressive | 41 – 48 | Debt: 5% | Equity: 90% | Gold: 5% | Mid Cap, Small Cap, Sectoral |
Schemes meeting these criteria are automatically removed from our recommended shortlist: