Horizon: decades
20+ yrsRetirement
Equity-heavy in the early years, gradually de-risked as retirement approaches.
Bespoke solutions.Not a product shelf.
Why advisory matters
There are 40+ fund houses, dozens of AIF managers, and a bond market most people never see.
The hard part was never finding a fund or a bond. It is knowing which combination, in what proportion, and when to change course — without a stake in any single manufacturer’s outcome.
Selection
Every product is shortlisted on process consistency and risk-adjusted returns, not on distribution commission.
Allocation
The mix across equity, debt, alternatives and gold is set by your horizon, not by whichever category is trending.
Discipline
The biggest driver of investor returns is staying invested through the cycle. We help you actually do that.
What we access. The complete wealth basket, in one plan.
No formal minimum
MFMutual Funds
Goal-based plans across fund houses, with SIPs and SWPs that keep you disciplined.
Explore mutual fund advisory
From ₹1 crore
PMSPortfolio Management
Our own three mandates, plus select external managers. Held in your own demat.
See portfolio management
Typically from ₹1 crore
AIFAlternative Investment Funds
Category II and III managers most investors never meet. For accredited investors.
Ask your advisor
Including market-linked debentures
BondsBonds & Fixed Income Products
Corporate bonds, G-secs and market-linked debentures (MLDs) — chosen for credit quality first, laddered for liquidity.
Life, health and business cover
CoverInsurance
Life, health and business continuity cover, reviewed alongside the portfolio.
Ask your advisor
Every rupee has a job. Plans built around goals, each with its own horizon.
Horizon: a fixed date
5–18 yrsChildren’s future
Education and marriage goals mapped to target dates, funded through disciplined SIPs.
Horizon: 3–7 years
3–7 yrsBig-ticket goals
A second home, a sabbatical, a family celebration — funded by plan, never by breaking long-term investments.
Open-ended
OpenWealth creation
Growth capital, reviewed every year, with no fixed withdrawal date.
SIP and SWP
Two directions of the same discipline.
Systematic Investment Plan
Fixed amounts at regular intervals smooth the entry price, and build the habit of investing before the money is spent elsewhere.
Systematic Withdrawal Plan
Once a goal is funded, a structured monthly withdrawal replaces a lump-sum redemption — kinder to tax and to the portfolio’s longevity.
Annual realignment
Both are reviewed every year against the goal’s remaining horizon and how well it is funded.
The right mix, chosen for where you are going.
Mutual funds, PMS, AIF, bonds and MLDs — accessed, never manufactured for the sake of it.Where your money sits
In your name.Not ours.
Advisory does not mean we hold your money. It means we help you decide where it goes, while it stays fully in your own accounts.
Your own accounts
Mutual fund folios, demat holdings and bank accounts stay registered in your name, at all times.
Full visibility
Every statement comes directly from the fund house, registrar or custodian — never routed through us first.
No pooled vehicle
Unlike a fund you invest into, advisory never mixes your money with anyone else’s.
Before you speak to us
Questions families usually ask first.
Do you only recommend your own funds?
No. Our own funds (UCWF, UCGF, UCPF) are one option among several. We also access external PMS managers, mutual funds across fund houses, AIFs and bonds. The recommendation is built around your goal first.
What is the minimum to start?
Mutual fund advisory has no formal minimum. Our PMS strategies start at ₹1 crore. AIF access typically starts at ₹1 crore, in line with regulatory norms for the category.
How are you paid, and does it affect recommendations?
Fee structures vary by product and are disclosed upfront during onboarding. Our selection process screens on merit first, specifically so that compensation does not drive the recommendation.
Can I combine advisory with your other businesses?
Yes. Most clients end up with a plan that spans more than one of our businesses, coordinated through a single advisor rather than four separate relationships.