NIO

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NIO Performance - June 2024

NIO PMS Performance June 2024

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NIO

NIO is our multiassset, macro focussed PMS specially curated for NRIs. NIO stands for NRI Investment Opportunity. Here is why you should choose a NIO.

Sophistication Meets Simplicity

NIO retains the sophistication of diverse investment options while simplifying them for savvy investors like you. No more overwhelming choices—just a streamlined approach to wealth creation.

Proven Success Over a Decade

Benefit from a decade of proven success in thematic investing under the RIA model tailored for NRIs. NIO leverages this wealth of knowledge, ensuring your retirement funds are in capable hands.

Thematic Expertise

Our proven thematic investing model forms the bedrock of NIO. We identify interesting ideas, nurture conviction in contrarian themes, and position each theme within your portfolio. Patience pays off, and NIO ensures you reap the rewards.

360-Degree Investing

Imagine having all your investment ideas in one place. NIO brings together stocks, ETFs, global assets, and more. It’s like having a comprehensive investment toolkit at your fingertips.

Continuous Growth and Patience

NIO embodies the principles of continuous investment and patience. We’ve mastered the art of nurturing conviction in contrarian themes, providing you with a rewarding investment journey for your retirement goals.

NIO

Why NIO works for NRIs?

Retirement isn’t just about numbers; it’s about peace of mind. NIO aligns your investments with your retirement goals. Let’s build your nest egg together.

Your Retirement, Our Priority

How to Get Started?

  • KYC Magic

    NIO adheres to Know Your Customer (KYC) norms. As an NRI, you’re already halfway there. Let’s complete the paperwork and set sail!

  • NRO/NRE Contributions

    NIO accepts contributions from your NRO/NRE accounts. It’s like exchanging currency at the airport – seamless and hassle-free.

  • Patience Rewarded

    NIO believes in patience, just like waiting for the perfect sunset. Your retirement rewards will be worth the wait.

Retirement isn’t just about numbers; it’s about peace of mind. NIO aligns your investments with your retirement goals. Let’s build your nest egg together.

Terms of Investment

Minimum investment
₹ 50,00,000
Benchmark
NSE Multi-Asset Index 1
Exit Terms
NIL
Fees
Fixed fee of 1.5% p.a. of AUM computed on daily average portfolio value charged on a quarterly basis. All other expenses at Actuals. (Fees Excl. GST).
Asset Allocation
Equity: 0-100%
ETF: 0-100%
Gold: 0-100% Cash/Liquid BeES: 0-100%
Single Stock Exposure
Not to exceed 25% of the total NAV of the portfolio.

Frequently Asked Questions

Who is VRDDHI meant for?

VRDDHI is meant for someone who has an investment horizon of 5+ years. We invest in a space which is exciting as there is a possibility of finding undiscovered gems. However in this segment stock prices can have huge swings on either sides – the prospective investor should not be plagued by the volatility of the stock price (smallcaps/microcaps/midcaps can correct by 30-40-50% or even more during bear phases). It is important that the prospective investor should align with our investing process and try to understand how we manage and control risks and only then invest with us. We don’t focus on maximizing returns instead we focus only on minimizing risks.

How does VRDDHI pick its investment universe?
We follow a bottom up method of picking stocks. We read 100s of Annual Reports and attend 100s of AGMs and concalls across the year to generate ideas. Further, we also participate in industry trade shows & exhibitions. Lastly, we run qualitative and quantitative screens to find new ideas.
What is the fee structure?
Title
Redmi 9A
Minimum investment
₹ 50,00,000
Benchmark
NSE Multi-asset index 1
Exit Terms
NIL
Fees
Fixed fee of 1.5% p.a. of AUM computed on daily average portfolio value charged on a quarterly basis. All other expenses at Actuals. (Fees Excl. GST).
Exit Terms
Exit Load as prescribed by SEBI. First year exit load at 3%; second year 2%, third year – 1%. Performance Fee and other Charges will be calculated on a Pro-rata basis and charged.
Asset Allocation
Equity: 0-100% Mutual Funds: 0-100%
ETF: 0-100% Global Funds: 0-100%
Gold: 0-100% Cash/Liquid bees/Liquid funds: 0-100%
Single Stock Exposure
Not to exceed 25% of the total NAV of the portfolio.
What does VRDDHI do differently?

Our entire focus in investing is to manage and control risks. Our belief is that if one is able to protect the downside, then up-side usually takes care of itself. We try to find undiscovered gems – businesses which are market leaders in their niche, are run by honest & capable owners/managers and are available at attractive valuations.

Since these businesses are usually not covered by brokerages and do not have much information available on them – we need to get on the ground to uncover insights – we do this by speaking to people in the value chain of the business – customers, suppliers, distributors, competitors, auditors, bankers, employees, ex-employees etc to understand more about the business, industry, and the people who run the company. This enables us to develop differential insights and sown the business over a long period of time ignoring the market gyrations.

While it is important to understand what we do, it is equally important to state what we don’t do – and that also makes us different.

Markets are high/low – Is it a good time to invest in VRDDHI?

Timing a market top or bottom is almost impossible. We encourage our prospective investors to have a long term view as the impact of timing significantly reduces over a long term. 

Further given we don’t follow a model portfolio approach as a result all the money is not invested on day 1. Our investment is driven by bottom up opportunities that we may find at any given time. During a heated market, our opportunity set reduces and as a result we may not invest the entire amount fully. Thus, when the market corrects, the portfolios may be cushioned due to the cash (un-invested portion). The corollary of this approach is that we may under-perform in newly opened accounts in a rising market as we haven’t invested money and the market continues to rise. 

Similarly in a a benign market, we may invest more aggressively and deploy the money much faster. Below are exhibits of actual accounts that have opened at differing market periods and how we have invested.

This way of investing has worked for us over market cycles- we believe it makes sense to be patient and rational and not be driven by market levels as long as one has a long term view (5 years+)

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