Retirement
Equity-heavy in the early years, gradually de-risked as retirement approaches.
Why advisory matters
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.
Every product is shortlisted on process consistency and risk-adjusted returns, not on distribution commission.
The mix across equity, debt, alternatives and gold is set by your horizon, not by whichever category is trending.
The biggest driver of investor returns is staying invested through the cycle. We help you actually do that.
Goal-based plans across fund houses, with SIPs and SWPs that keep you disciplined.
Explore mutual fund advisory
Our own three mandates, plus select external managers. Held in your own demat.
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Category II and III managers most investors never meet. For accredited investors.
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Corporate bonds, G-secs and market-linked debentures (MLDs) — chosen for credit quality first, laddered for liquidity.
Life, health and business continuity cover, reviewed alongside the portfolio.
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Equity-heavy in the early years, gradually de-risked as retirement approaches.
Education and marriage goals mapped to target dates, funded through disciplined SIPs.
A second home, a sabbatical, a family celebration — funded by plan, never by breaking long-term investments.
Growth capital, reviewed every year, with no fixed withdrawal date.
SIP and SWP
Fixed amounts at regular intervals smooth the entry price, and build the habit of investing before the money is spent elsewhere.
Once a goal is funded, a structured monthly withdrawal replaces a lump-sum redemption — kinder to tax and to the portfolio’s longevity.
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.
Mutual fund folios, demat holdings and bank accounts stay registered in your name, at all times.
Every statement comes directly from the fund house, registrar or custodian — never routed through us first.
Unlike a fund you invest into, advisory never mixes your money with anyone else’s.
Before you speak to us
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.
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.
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.
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.