SERVICES · WEALTH ROADMAP
Invest for your goals with a process, not guesswork
Most investors don’t fail for lack of options. They fail for lack of a process that links every rupee to a goal. Holistic helps you build the right mix across equity, debt, gold and silver, through mutual fund schemes and, for eligible investors, PMS and AIF, and review it regularly.
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THE PACKAGE
Seven steps, one continuous relationship
Each step builds on the last, from understanding your goals to reviewing your investments over the years. All seven are included.
SERVICE 01
Goal Mapping
We start with what you want your money to do: a home, a child’s education, retirement, financial independence. For each goal, we note the timeline and an inflation-adjusted target, so your investing has a purpose and a date.
SERVICE 02
Risk Profiling
Before choosing anything, we assess your risk appetite, investment horizon and needs, and record them. We also check that the basics are in place, such as an emergency reserve and your existing insurance cover, so that long-term equity investing is suitable for you and you can stay invested through market ups and downs. This profile guides every recommendation, so your investments suit how you actually feel about risk, not just what the market is doing.
SERVICE 03
Existing Investments Review
If you already hold mutual funds or other investment schemes distributed through us, we review how they sit against your goals and risk profile, flagging overlaps, concentration and gaps. Nothing is changed for the sake of it.
SERVICE 04 & 05
Asset Allocation Strategy — and Investment Solutions: MF, PMS, AIF
We create an asset allocation is the strongest driver of long-term investing outcomes. We propose how your investments could be spread across equity, debt, gold and silver, in proportions that match your goals, horizon and risk profile. For some investors, a Core + Satellite approach adds a measured allocation to higher-conviction ideas.
The strategy is put to work through suitable investment solutions: mutual fund schemes across equity, debt, gold and silver categories, and, for eligible investors whose profile fits, PMS and AIF. We shortlist a curated set of options, explain the reasoning in plain language, and you decide.
SERVICE 06
Rebalancing & Periodic Review
Markets move, and so does life. Every six months, and more often when needed, we review your investments against your goals, market conditions and scheme performance. When your equity, debt, gold or silver mix drifts from its target, we suggest rebalancing to bring it back. Examples (replace the two present ones): Your income rose faster than expected? Your goal moved forward? We revisit the investment approach.
