We manage portfolios · Bengaluru · Since 2014
Your wealth.Our undivided attention.
Open-architecture private wealth management for entrepreneurs, families, professionals and global Indians. No in-house products, so every conversation starts with you, not a product.
Journey A plan that travels with you.
- AMFI-registered Mutual Fund DistributorARN-156886
- APMI-registered PMS DistributorAPRN-05916
- Founded in Bengaluru2014
- Open architectureNo in-house products
01Risk first. Portfolio second.
A private banker’s discipline, working only for you.
A portfolio should begin with the person it is built for, not with a shelf of products. We first understand how much risk you can carry, how long your capital can stay invested and what it needs to achieve. Only then do we decide what belongs in the portfolio.
Explore our approach20years
Founder’s career in private banking
2014
RISCH Wealth founded in Bengaluru
0
In-house products. Nothing of our own to sell
4routes
Mutual funds, SIFs, PMS and AIFs
02What we provide
Four ways to invest. One portfolio that fits together.
There is no model portfolio. These are the solutions that may form part of one, and how much weight each carries is set with you, not in advance.
- 01The core
Mutual Fund
Professionally managed funds across equity, debt and hybrid strategies, for the core of a portfolio.
Mutual funds across equity, debt and hybrid categories, distributed by RISCH. - 02More flexible
Specialized Investment Fund (SIF)
A newer SEBI category run by mutual fund houses, with more flexible strategies such as long-short, for investments of ₹10 lakh and above.
SIF strategies, distributed by RISCH. - 03Concentrated
Portfolio Management Services (PMS)
A dedicated, concentrated equity portfolio for larger investments.
PMS strategies, distributed by RISCH. - 04Beyond listed markets
Alternative Investment Funds (AIF)
Strategies beyond listed markets, such as private credit and private equity, for eligible investors.
AIFs, distributed by RISCH.
Portfolio components shown here illustrate RISCH’s investment framework; they are not a recommendation. A suitable portfolio also depends on your wider net worth, liabilities, illiquid assets, taxes and liquidity needs, which we go through with you in conversation.
03The RISCH framework
Four stages, in the same order, for every client.
Willingness and ability, both measured. The lower of the two sets the limit, so the portfolio is one you can hold through a bad year.
Liquidity, income, growth, preservation or legacy. Each goal gets its own horizon, and its own money, across India and the world.
Every holding has a role, chosen from the whole market with no in-house products to place. Mutual funds, SIFs, PMS and AIFs, each where it fits.
Kept on target as markets move and your life changes. When one part runs ahead or falls behind, we bring the portfolio back to shape.
04 Asset allocation
Your horizon sets the mix.
5 to 7 years
Illustrative mix: Growth
- India Equity53%
- International Equity16%
- India Fixed Income28%
- Cash & Equivalents4%
For goals five to seven years away, with room for growth alongside a solid base of income.
Find your risk profile in 3 minutesIllustrative asset mixes by time horizon, shown only to explain how horizon and risk shape an allocation. Not a recommendation or an offer of any product; a suitable allocation depends on your full risk profile and circumstances. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
05Whom we serve
For wealth that needs more than quick answers.
- 01Wealth tied to a business
Business Owners
Most of your wealth sits in your business. We help you build wealth outside it too, and plan for who takes over.
How we work together - 02Big payouts, uneven income
Entrepreneurs & Founders
Funding rounds, ESOPs and income that comes in bursts. We plan for money that doesn't arrive like a salary.
How we work together - 03For the whole family
Private Clients & Families
Wealth that passes from one generation to the next, one clear report for everything, and a plan for handing it on.
How we work together - 04Living abroad
NRIs & Global Indians
Money in more than one country, and investments back home. One person looks after all of it.
How we work together - 05Busy careers
Senior Executives & Professionals
Your job leaves little time to manage money. Our written process does that work for you.
How we work together - 06Second opinion
Family Offices
A second pair of eyes, and a team to carry out the plan, alongside the people you already work with.
How we work together
06Our mission: investor success
Seven principles behind every portfolio.
Principle 01 of 07
We put investors first.
We believe the firms that put investors first win in the long term because their investors win.
07Legacy
Built to be handed on.
Multi-generational wealth, consolidated reporting, and succession structured so it survives a handover.






08From the founder
The objective is not to beat the market every quarter. It is to help families preserve and grow wealth across generations.
- Founder & CEORISCH Wealth · Bengaluru
I don’t believe in pushing products. It is all about maintaining relationships.Morningstar India, 2019
09Client experience
Hear it from our clients.
10Perspective
Rishiraj Maheshwari, in the press.
ANI · The Tribune15 September 2026RBI clarity changes dynamics in Tata ecosystem; all eyes on Sept 17 Tata Sons board meeting“Tata Sons Board will have to evaluate its options”On the Tata Sons board meeting after the RBI’s decision, and why challenging the regulator would be closely watched, in India and beyond.Read the article
Business Today12 July 2024Market titans like Vijay Kedia and the Jhunjhunwalas are shifting their focus on start-ups; here’s whyRead the article
Business Today29 February 2024Sectoral and thematic mutual funds is seeing a great run; what’s driving this growth?Read the article
Business Today4 January 2024How to build mutual fund portfolio in 2024? Here’s what these money managers suggestRead the article
The Economic TimesNovember 2022Sensex, Nifty ignore winter blues to scale new tops; should you be greedy or fearful now?Read the article
The Economic TimesNovember 2022FIIs: $3 billion in 10 days! 3 reasons why FIIs are buying Indian stocks non-stopRead the article
The Economic TimesAugust 2022Sensex surges 7,000 points from June lows. Should you worry or enjoy the rally?Read the article
11Questions
Frequently asked.
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 Nuvama Private Wealth.
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.