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RISCHWhat we provide

Risk first.Portfolio second.

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.

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01Your profile

Before we design a portfolio, we understand you.

Your risk profile is built before any product is discussed, so the answer is about you and nothing else. Three things shape it: how much risk you can tolerate, how long your capital can stay invested and how you are likely to behave when markets move.

Risk Tolerance

A short psychometric questionnaire looks at how you think about money, loss and uncertainty, not only what you say you are comfortable with. It separates the losses you could absorb from the losses you could sit through.

Time Horizon

The longer capital can wait, the more room the portfolio has to work.

Likely fitGrowth mix69% equity · 31% fixed income & cashSee this mix below

Time horizon is one of three inputs. Your full risk profile sets the final fit.

Behavioural Science

Tolerance on paper is not behaviour in a crisis. We study the patterns that quietly cost investors returns, like the urge to sell in a fall or chase a rally, and shape the portfolio so that you can stay with it.

Funds returned9.9%
Their investors earned8.7%
1.2% a year lost by the average investor to the timing of their buying and selling.

“The investor’s chief problem, and even his worst enemy, is likely to be himself.”

Benjamin Graham, The Intelligent Investor

02Asset allocation

Asset allocation decides most of the journey.

We do not start with a product shelf. We start with how your money is spread across asset classes, then keep that mix on track as markets move.

69%in equity

02 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.

  • 01Set from your risk profile.

    The mix follows who you are and what the capital is for, not what is popular this year.

  • 02Rebalanced when markets pull it off target.

    When one asset class runs ahead or falls behind, we bring the portfolio back to its intended shape.

  • 03Reviewed when your life changes.

    A new business, a sale, a child, a retirement date: the allocation is revisited when the facts change.

Illustrative only. These are example asset mixes by time horizon, shown to explain how they differ. They are not a recommendation or an offer of any product, and your own allocation is set from your full risk profile and circumstances.

03Our principles

We build portfolios, not product lists.

“In a Test match, the balls you leave alone matter as much as the ones you play. We invest the same way.”

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.

04Our process

How a RISCH portfolio comes together.

  1. 01

    Understand

    Goals, time horizon, liquidity needs and Risk Tolerance.

  2. 02

    Allocate

    Choose the asset mix that fits your profile.

  3. 03

    Construct

    Select funds and strategies for each role in the mix.

  4. 04

    Review

    Monitor, rebalance and adapt as markets and your life change.

05What we offer

Solutions

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.

06What we handle

Four areas we handle. One portfolio that fits together.

A portfolio built around your life.

RISCHThe right conversation

Start with your risk. We will take it from there.

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