Our Mission — Investor Success
Investors trust us because we put them first.
Seven investment principles guide every portfolio we manage — the same ones we set out for every new client, before a single rupee is committed.
We put investors first.
We believe the firms that put investors first win in the long term because their investors win.
We're independent-minded.
To deliver results, we think it's necessary to invest with conviction, even when it means standing apart from the crowd.
We invest for the long term.
Taking a patient, long-term view helps people ride out the market's ups and downs and take advantage of opportunities when they arise.
We're valuation-driven investors.
Anchoring decisions to an investment's fair value — or what it's really worth — can lead to greater potential for returns.
We take a fundamental approach.
Powerful research is behind each decision we make, and we understand what drives each investment we analyse.
We strive to minimise costs.
Controlling costs helps investors build wealth by keeping more of what they earn.
We build portfolios holistically.
To help manage risk and deliver better returns, truly diversified portfolios combine investments with different underlying drivers.
The RISCH Framework
Understand first.
Allocate second.
Compound over time.
Wealth management is a long relationship, not a single transaction. Every portfolio we manage follows the same four stages, for as long as you are a client.
- 01
Understand Risk
We separate your willingness to take risk from your ability to withstand it. Both are measured; the lower one sets the limit.
- 02
Define the Objective
What this capital needs to do: liquidity, income, growth, preservation or legacy — often several at once.
- 03
Build the Allocation
A portfolio in which every holding has a role.
- Indian equity
- Global equity
- Fixed income
- Commodities
- Real estate
- 04
Review & Rebalance
Your portfolio evolves as markets and your circumstances change, with a review at every rebalancing.
Who We Serve
For wealth that has outgrown simple answers.
RISCH works with a small number of clients directly — typically where wealth is spread across businesses, custodians, generations or countries.
More on who we work withPrivate Clients & Families
Multi-generational wealth, consolidated reporting, and succession structured so it survives a handover.
Business Owners
Wealth concentrated in a single enterprise, and a need to diversify it outside the business without losing sight of succession.
Senior Executives & Professionals
A demanding career leaves little time to manage money directly — a documented process stands in for that time.
NRIs & Global Indians
Cross-border holdings and a home-market allocation that still needs a single point of accountability.
We also work alongside existing family offices, as a second opinion and execution partner.
What We Do
Built around the whole balance sheet.
Portfolio Construction
A portfolio built around your objectives, liquidity needs and risk — sized to you, not a model.
Fund & Strategy Selection
Mutual funds, PMS and AIFs from across the market, each chosen for the role it plays in your portfolio.
Global Diversification
Access to opportunities beyond Indian markets — US, Europe, Asia and Taiwan — as part of one plan.
Wealth Coordination
Investments, liquidity, succession and your other advisers, brought into one view with one point of contact.
Why RISCH
Structured to put the client's interest first.
No product shelf
No proprietary fund and no product shelf. Recommendations align to the client, never to what needs selling.
A focused practice
RISCH works with a small number of clients directly, so every portfolio gets genuine attention.
Accountable by design
The worst case is disclosed before you commit, and any override is documented and signed by both parties.
One view of your wealth
Holdings spread across custodians, brought together into one coherent strategy and one set of reports.
From the CEO’s Desk
The objective is not to beat the market every quarter. The objective is to help families preserve and compound wealth across generations.
Rishiraj Maheshwari
Founder & CEO, RISCH Wealth Private Limited
At RISCH, we believe wealth is not a destination, but a responsibility. Our role is to be the steward of your capital, aligned with your values, and committed to your legacy.
- 20 YearsIn wealth management
- Client-FirstNo product shelf
- India + GlobalInvestment opportunities
- Built for GenerationsLong-term perspective
- 2010 – 2014Senior Private BankerICICI Securities
- 2018 – 2019Edelweiss Financial ServicesMumbai
- 2014 – PresentFounder & CEORISCH Wealth
Risk Assessment
Before we talk, see where you stand.
Eight questions on your time horizon and risk preference produce a preliminary allocation with hypothetical outcomes. It's a starting point for a conversation — not a recommendation.
Questions
Frequently asked questions.
How RISCH works, who we work with, and what the risk assessment tells you.
What is RISCH Wealth?
RISCH Wealth Private Limited is a private wealth management firm based in Bengaluru. It was founded in 2014 by Rishiraj Maheshwari, a career private banker whose career includes Senior Private Banker at ICICI Securities and Edelweiss Financial Services.
Who does RISCH Wealth work with?
RISCH works with a small number of clients directly. The profiles we see most often are business owners, entrepreneurs and founders, private clients and families, NRIs and global Indians, senior executives and professionals, and family offices looking for a second opinion.
Can NRIs work with RISCH?
Yes. NRIs and global Indians are among the clients RISCH works with most often, typically where holdings sit across countries and the Indian portfolio needs a single point of accountability. Which funds and strategies are available depends on your country of residence and each product's rules, which we check before recommending anything.
How does RISCH build and manage a portfolio?
In four steps that repeat for as long as you are a client. We understand your goals, liquidity needs, time horizon and ability to withstand losses; construct a diversified portfolio across Indian and international equity, fixed income, commodities and real estate; monitor it with regular reviews and rebalancing; and coordinate it with the rest of your family wealth and long-term financial decisions.
How does the RISCH risk profiler work?
The risk profiler is an eight-question diagnostic that scores your time horizon and risk preference independently, then matches you to a recommended portfolio. You get an instant proposal with an allocation and hypothetical outcomes. It is a starting point for a conversation, not a substitute for one.
Which asset classes does RISCH allocate across?
Portfolios are built across domestic equity (large, mid and small cap, plus thematic and sectoral funds), international equity (US, Europe, Asia ex-Japan and Taiwan), fixed income (short, medium and long duration), commodities (gold and silver) and real estate (REITs and InvITs), sized to the client rather than a model.
Does RISCH Wealth sell its own investment products?
No. RISCH has no proprietary fund, so recommendations align to the client, not a product shelf. Any deviation from the recommended portfolio is recorded, justified and signed by both parties.
How do I get started?
Start with a conversation: email rischwealth@gmail.com or call +91 94480 90998, or use the contact page. If you'd like a first view beforehand, the risk profiler on this site produces a preliminary allocation in a few minutes.
Start A Conversation
Your portfolio deserves a considered second opinion.
Whether your wealth sits across several advisers or you're starting afresh, the first step is a conversation about what it needs to do — and what it can withstand.