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We ask our investors the following.

• Do you understand the risks of investing in Equities and Bonds?
• If you understand them are you prepared to take those risks?
• If you are prepared to take those risks, Does your financial position, Cash flows, Age and Family situations allow you to take those risks,

Then,

• Once the client is able to come up with crystallised answers for the above questions, we move to the next step of desired asset allocation.
• Once the broad asset allocation is decided, we move to micro allocation of the money to various funds, both Debt and Equities.
• Many things such as the clients life schedules, Liquidity needed, and Wealth accumulation targets are considered before moving on to the funds decision.
• Once that’s done, We believe in very minimal churns and changes to the portfolio until a significant event forces us to change any funds.
• We reiterate to all the clients that it is the ability to withstand market tantrums and waiting out through the bear markets bring success to the portfolio.
• We also tell the investors it is the overall portfolio returns that is important as different funds at different points of time will look optically good or bad in the short term. We ask them to refrain from asking for changes to the portfolio based on short term moves.