Lumsum
Profiling Notes :
1. No Profile :
- Time Horizon : Medium to Long term without any linkage to Life goals.
- Downside Participation : Will Participate 60% on Market Downside on 5 Year rolling basis.
- Upside Participation : Will Participate 85% Post tax on Market Upside on 5 Year rolling basis.
- Frequency of Rebalancing : Limited. 12-14 times @ Journey of 15 Year.
2. Aggressive ( All In ) :
- Time Horizon : Minimum 10 Years
- Downside Participation : Downside participation will be highly linked with market on 5 year Rolling basis.. Can withstand Minimum 30% erosion of capital in initial 3 year.
- Upside Participation : Will Participate 100% Post tax on Market Upside on 5 Year rolling basis.
- Frequency of Rebalancing : Limited. 3-5 times @ Journey of 15 Year.
3. Aggressive ( All In / All Out ) :
- Time Horizon : Minimum 10 Year
- Downside Participation : Will Participate 40% on Market Downside on 5 Year rolling basis.
- Upside Participation : Will Participate 90% Post tax on Market Upside on 5 Year rolling basis. 3. Can fully Compromise on upside participation in short term ( 18 to 24 month ).
- Frequency of Rebalancing : Limited. 6-8 times @ Journey of 15 Year.
4. Aggressive Regular Re-balancing :
- Time Horizon : Minimum 8 Year
- Downside Participation : Will Participate 60% on Market Downside on 5 Year rolling basis.
- Upside Participation : Will Participate 90% Post tax on Market Upside on 5 Year rolling basis.
- Frequency of Rebalancing : Limited. 14-16 times @ Journey of 15 Year.
5. Moderate ( SWP / REGULAR INCOME without DEBT category ) : Limited Re-balancing
- Time Horizon : Minimum 5 Year
- Downside Participation : Will Participate 55% on Market Downside on 5 Year rolling basis.
- Upside Participation : Will Participate 80% Post tax on Market Upside on 5 Year rolling basis.
- Frequency of Rebalancing : Limited. 8-10 times @ Journey of 15 Year.
Note : Use this Profile for Capital withdrawal and SWP too. Initial 3 Year money should be allocated according to Debt algo For SWP. From 4th Year, Use this profile for SWP. Annual Withdrawal should not be more than 6 % of Corpus.
6. Moderate : Regular re-balancing
- Time Horizon : Minimum 5 Year
- Downside Participation : Will Participate 40% on Market Downside on 5 Year rolling basis.
- Upside Participation : Will Participate 75% Post tax on Market Upside on 5 Year rolling basis.
- Frequency of Rebalancing : Regular 24-28 times @ Journey of 15 Year.
7. Conservative (SWP / REGULAR INCOME without DEBT category)
- Time Horizon : Minimum 3 Year
- Downside Participation : Will Participate 40% on Market Downside on 5 Year rolling basis.
- Upside Participation : Will Participate 70% Post tax on Market Upside on 5 Year rolling basis.
- Frequency of Rebalancing : Regular 24-28 times @ Journey of 15 Year.
Note : Use this Profile for Capital withdrawal and SWP too. Initial 3 Year money should be allocated according to Debt algo For SWP. From 4th Year, Use this profile for SWP. Annual Withdrawal should not be more than 6 % of Corpus.
8. Conservative - ( Capital Preservation , Debt oriented )
- Time Horizon : Minimum 18 months
- Downside Participation : Will Participate 25% on 10 year Gsec Downside on 3 Year rolling basis.
- Upside Participation : Will generate 1 % Alpha over 10 Year G-sec on 3 Year rolling basis.
- Frequency of Rebalancing : Regular 8-10 times @ Journey of 15 Year.
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India’s exclusive Analytics Platform & Custom Made Gpt to elevate Advisor capital allocation framework and performance to next level.
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ABOUT US
India’s exclusive Analytics Platform & Custom Made Gpt to elevate Advisor capital allocation framework and performance to next level.
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