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.

Risk profileFind your risk profile in three minutes.Eight questions, with your time horizon and risk preference scored separately. A starting point for a conversation with us.Start

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 approach
  • 20years

    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.

  1. 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.

  2. Liquidity, income, growth, preservation or legacy. Each goal gets its own horizon, and its own money, across India and the world.

  3. 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.

  4. 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.

01 / 04
69%in equity

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 minutes

Illustrative 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.

  1. 01
    Wealth 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
  2. 02
    Big 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
  3. 03
    For 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
  4. 04
    Living 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
  5. 05
    Busy careers

    Senior Executives & Professionals

    Your job leaves little time to manage money. Our written process does that work for you.

    How we work together
  6. 06
    Second 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.

Rishiraj Maheshwari, Founder & CEO of RISCH Wealth
Rishiraj MaheshwariFounder & CEO

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
On recordI don’t believe in pushing products. It is all about maintaining relationships.Morningstar India, 2019

09Client experience

Hear it from our clients.

  • Business Owners

    “RISCH didn't start with a product pitch. They started by asking what I could actually stomach in a bad year, and then built around that answer rather than around a shelf. For someone who has spent a career judging people by their process rather than their promises, that order mattered more than anything else they could have said.”

    Director, Software EngineeringBengaluru, Karnataka
  • Business Owners

    “Nearly everything I owned sat inside the business. The plan to build something outside it was written down, with the trade-offs stated, before I agreed to any of it.”

    Director of EngineeringBengaluru, Karnataka
  • Business Owners

    “Succession was the conversation I kept postponing. They structured it so the business and the portfolio finally point in the same direction.”

    Principal System EngineerBengaluru, Karnataka
  • Entrepreneurs & Founders

    “The risk questionnaire took ten minutes and told me more about my own risk tolerance than any conversation I'd had before.”

    DirectorBengaluru, Karnataka
  • Entrepreneurs & Founders

    “My income arrives in lumps, not every month. This is the first allocation anyone has built that genuinely accounts for that.”

    Director, Cyber DefenceBengaluru, Karnataka
  • Senior Executives & CXOs

    “I don't have the hours to manage this myself. What I have instead is a documented process I can audit in twenty minutes.”

    Head, Sourcing & ProcurementBengaluru, Karnataka
  • Senior Executives & CXOs

    “My ESOP concentration was the elephant in the room. It was the first thing they put on the table, not the last.”

    Healthcare Operations & StrategyBengaluru, Karnataka
  • Doctors & Professionals

    “I had been sold products for years. This was the first conversation that began with my own circumstances rather than someone's shelf.”

    Consultant SurgeonKochi, Kerala
  • Doctors & Professionals

    “Between clinics there is no time to follow markets. The review is short, honest, and tells me only what I actually need to decide.”

    RadiologistBengaluru, Karnataka
  • Private Clients & Families

    “Consolidated reporting across three custodians, finally in one place. That alone was worth the switch.”

    Senior Solution ArchitectBengaluru, Karnataka
  • Private Clients & Families

    “I appreciated being shown the worst case before the best case. It's rare, and it's the right order.”

    Safety ProfessionalBengaluru, Karnataka
  • NRIs & Global Indians

    “Managing an India allocation from eight thousand kilometres away used to mean chasing four different people. Now it means one call.”

    Process Engineering LeaderBasra, Iraq
  • NRIs & Global Indians

    “Every cross-border question was answered plainly, including the ones where the answer was 'take that to your tax adviser'.”

    Global IndianDallas, Texas, United States
  • Family Offices

    “We already had advisers. What we didn't have was someone willing to put a view in writing and argue it on our behalf.”

    Electrical Engineering & Management LeaderBengaluru, Karnataka
  • Family Offices

    “They work alongside the setup we already had rather than trying to replace it. That is what made the engagement workable.”

    Senior Leader
  • Every account, in full.

    All client stories

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.

12Begin

Let’s talk about the next twenty years.