Our Services
NIO Performance - September 2024
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?
Flexible Mandate
NIO adapts to changing market conditions. It’s not rigid; it’s responsive. Whether it’s stocks, bonds, or commodities, NIO dynamically adjusts to maximize returns and manage risks.
Cost-Effective
Worried about fees? Don’t be! NIO offers a fixed fee of 1.5% p.a. of AUM (assets under management). No hidden costs, just transparent investing.
Moderate Risk
NIO suits investors with a moderate risk appetite and a long-term horizon (5 to 7 years). It’s the sweet spot for retirement planning.
Your Retirement, Our Priority
How to Get Started?
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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!
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NRO/NRE Contributions
NIO accepts contributions from your NRO/NRE accounts. It’s like exchanging currency at the airport – seamless and hassle-free.
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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.
Adam Smith
Adam Smith
Terms of Investment
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Minimum investment
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₹ 50,00,000
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Benchmark
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NSE Multi-Asset Index 1
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Exit Terms
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NIL
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Fees
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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).
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Asset Allocation
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Equity: 0-100%
ETF: 0-100% Gold: 0-100% Cash/Liquid BeES: 0-100% |
Single Stock Exposure
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Not to exceed 25% of the total NAV of the portfolio.
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Frequently Asked Questions
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.
Title
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Redmi 9A
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Minimum investment
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₹ 50,00,000
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Benchmark
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NSE Multi-asset index 1
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Exit Terms
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NIL
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Fees
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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).
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Exit Terms
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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.
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Asset Allocation
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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
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Not to exceed 25% of the total NAV of the portfolio.
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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.
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+)