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.
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.
Risk ToleranceTime HorizonBehavioural ProfileYouPortfolio architectureDomestic EquityInternational EquityFixed Income
- Risk Tolerance
- Time Horizon
- Behavioural Profile
- You
- Portfolio architecture
- Domestic EquityInternational EquityFixed Income
Your 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.
Time Horizon
The longer capital can wait, the more room the portfolio has to work.
Likely fitRISCH Active GrowthSee 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.
The investor’s chief problem, and even his worst enemy, is likely to be himself.
Benjamin Graham, The Intelligent Investor
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.
Illustrative
5 to 7 years
For goals five to seven years away, with room for growth alongside a solid base of income.
Macro asset allocation
- India Equity52.7%
- International Equity15.8%
- India Fixed Income28.0%
- Cash & Equivalents3.5%
Sub-asset class breakdown
- India Large Cap41.9%
- India Mid Cap6.7%
- India Small Cap4.1%
- Europe Equity6.9%
- US Equity5.5%
- Asia ex-Japan3.4%
- Medium Term Debt12.2%
- Long Term Debt8.9%
- Short Term Debt7.0%
- Cash Equivalents3.5%
Illustrative only. These are the model mixes of the four RISCH portfolios, shown to explain how they differ. They are not a recommendation, and your own allocation is set from your full risk profile.
Set from your risk profile. The mix follows who you are and what the capital is for, not what is popular this year.
Rebalanced when markets pull it off target. When one asset class runs ahead or falls behind, we bring the portfolio back to its intended shape.
Reviewed when your life changes. A new business, a sale, a child, a retirement date: the allocation is revisited when the facts change.
Our 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.
Our investment principles
- 01
We put investors first.
We believe the firms that put investors first win in the long term because their investors win.
- 02
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.
- 03
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.
- 04
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.
- 05
We take a fundamental approach.
Powerful research is behind each decision we make, and we understand what drives each investment we analyse.
- 06
We strive to minimise costs.
Controlling costs helps investors build wealth by keeping more of what they earn.
- 07
We build portfolios holistically.
To help manage risk and deliver better returns, truly diversified portfolios combine investments with different underlying drivers.
Our process
How a RISCH portfolio comes together.
Understand
Goals, time horizon, liquidity needs and Risk Tolerance.
Allocate
Choose the asset mix that fits your profile.
Construct
Select funds and strategies for each role in the mix.
Review
Monitor, rebalance and adapt as markets and your life change.
What 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.
Held throughMutual funds across equity, debt and hybrid categories, distributed by RISCH.
Held throughPMS strategies, distributed by RISCH.
Held throughAIFs, 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.
Four disciplines. One coherent portfolio.
A portfolio built around your life.
Portfolio Construction
A portfolio built around your objectives, liquidity needs, time horizon and ability to withstand losses, sized to you and not to a model.
Discuss thisFund & Strategy Selection
Mutual funds, PMS and AIFs from across the market, each chosen for the role it plays in your portfolio. Our research and risk assessment drive the selection.
Discuss thisGlobal Diversification
Access to opportunities beyond Indian markets (the US, Europe, Asia and Taiwan), held as part of one plan rather than as a separate bet.
Discuss thisWealth Coordination
Investments, liquidity, succession and your legal and tax advisers brought into one view, with one point of contact and regular reviews.
Discuss this
