SEBI-registered Portfolio Management Services
Finnovate Multi Asset All Weather Strategy
One integrated wealth account. Every asset class. Managed in your interest, in any market.
SEBI PMS INP000010104 Discretionary mandate From ₹50 lakh
The pain points
What managing built-up wealth actually feels like
Not one problem. Several, all at the same time.
Everything on one bet
Most of the wealth, and most of the risk, sits in a single asset.
Scattered everywhere
Funds, stocks, gold and deposits spread across places, with no single view.
Too many accounts
Multiple logins, demat accounts and statements to track and reconcile.
Hard to shift gears
Moving from one asset or product to another is slow, manual and full of friction.
One size fits all
Off-the-shelf products, never shaped around your goals or your risk.
No one at the wheel
No single hand steering it all as one coherent portfolio.
Pain, meet solution
Every pain point, answered
The same portfolio, built to solve each challenge above.
The strategy
An integrated wealth account that holds every asset class
One place, in your name, that holds equity, debt, gold and silver, and real assets together under a single mandate, and moves between them as conditions change.
- Equity through direct, commission-free mutual funds and ETFs, never direct stocks.
- Debt, gold and silver, REITs and InvITs alongside, all in one mandate.
- Every sleeve can move from 0 to 100 percent as conditions change.
- Run as a fiduciary: every decision made in your interest, not for a commission.
What you can count on
Three words that define how it is run
Fiduciary
Your interest first, always. Every decision is made for you, never for a product or a commission.
Unbiased
Only direct, commission-free products. No distributor incentives, chosen purely on merit.
Hyper-personalized
Never a common model portfolio. Shaped to your goals and risk, and built around your existing holdings.
Why spread across assets
No single asset class wins every year
Leadership rotates. The asset that leads one year often lags the next, so a portfolio built on any single one rides its worst stretches in full. Holding equity, debt, gold and silver, and real assets together, and shifting between them, aims to smooth that ride across cycles.
The building blocks
Six building blocks, one portfolio
Direct mutual funds
Actively managed equity and debt exposure, selected across fund houses on merit.
ETFs
Low-cost index and asset exposure, including overseas markets, in a single trade.
Debt
Stability and income, a counterweight when equity markets turn.
Gold and silver
A cushion against inflation and a hedge in times of stress.
REITs
Income from commercial real estate, without owning the buildings.
InvITs
Income from operating infrastructure assets such as roads and power lines.
Inside the equity sleeve
Equity, managed with full flexibility
Within equity, nothing is boxed in. The mix moves freely across products and across market caps, so the manager can hold equity in whatever form works best at the time.
Across products
Fluid between active funds and ETFs
- Active direct mutual funds
- Low-cost ETFs
No fixed split. The blend shifts as opportunities change.
Across market cap
A true flexi-cap approach
- Large cap
- Mid cap
- Small cap
No hard boundary on any market cap. The manager tilts to where the opportunity is.
Different from a multi-asset fund
The same idea of multiple assets. A very different engine.
| Multi-asset mutual fund | All Weather PMS | |
|---|---|---|
| Your portfolio | One common model portfolio, the same for every investor. No customization. | Hyper-personalized to your goals, risk appetite and existing holdings. |
| Allocation | Minimum floors locked in each asset class. | 0 to 100 percent in every sleeve. |
| Fund selection | Limited to one fund house's own schemes. | Direct and commission-free, chosen on merit across all houses. |
| What you own | Units of a pooled scheme. | The actual securities, in one account in your name. |
| Transparency | A single NAV; the holdings stay hidden. | Every holding, trade and cost, visible to you. |
| Existing holdings | Start fresh, in cash. | Eligible holdings can be transferred in. |
One integrated wealth account
All your wealth, in one account
Not another demat here and a folio there. Every asset class sits in a single account, held in your own name, and executed under a PMS structure.
The usual setup
- Stocks and ETFs in a demat
- Mutual funds in folios
- Bonds on a separate platform
- Gold and silver, held apart
- REITs and InvITs elsewhere
Different apps, folios and demat accounts. It ends up scattered.
One integrated wealth account
In your name. One account. One view.
Eligible holdings you already own can be transferred in.
An illustrative portfolio
One portfolio, balanced across sleeves
Illustrative only. Each sleeve can range from 0 to 100 percent. The actual mix reflects the strategy's view and your plan, and changes over time.
Who this is for
Built for the professional who wants one portfolio that does it all
- You have built meaningful wealth and want it managed as one whole, not in fragments.
- You would rather not track funds, gold and other holdings in separate places.
- You want diversification across asset classes, not a single bet on one.
- You value owning your holdings directly, with full visibility into what you hold.
- You want a portfolio shaped to your goals and risk, not an off-the-shelf product.
- You prefer a manager who earns only a fee, never product commissions.
Minimum investment
₹50 lakh
The SEBI minimum for portfolio management services. Investors who qualify as Accredited Investors may access additional flexibilities under the SEBI framework.
A fee structure aligned with you
We earn only our fee
The products in your portfolio are direct and commission-free, so we earn only our management fee. Fees can be structured as a flat fixed fee, or a lower fixed fee plus a share of gains above an agreed hurdle with a high-water mark. Other charges, such as custody, brokerage, statutory levies and GST, are billed at actuals. All fees and terms are set out in the PMS agreement and Disclosure Document.
Getting started
Three steps to begin
A conversation about your plan
We start with your goals and your full financial picture, not a product.
Onboarding and account setup
PMS agreement, KYC and a dedicated demat and bank account opened in your name.
The portfolio is built and managed
Allocation, fund selection and rebalancing are handled on your behalf.
Allocation and fund-selection decisions are taken by an investment committee, and the portfolio is run day to day by a dedicated team.
Ready to begin?
Talk to our team about the Multi Asset All Weather Strategy and whether it fits your goals.
Prefer direct on-boarding? Write to naveen.singh@finnovate.in or call +91 98673 25874.
Regulatory and disclosures
Finnovate Multi Asset - All Weather Strategy is a discretionary portfolio management service offered by Finnovate Investment Managers Private Limited, registered with SEBI as a Portfolio Manager (Registration No. INP000010104). Investments in securities and portfolio management services are subject to market risks, including the loss of principal. There is no assurance or guarantee that the objectives of the strategy will be achieved. Asset-allocation ranges and the illustrative portfolio shown are indicative; the actual portfolio is constructed at the discretion of the portfolio manager within the mandate and may differ materially. References to mutual funds, ETFs, REITs, InvITs and other instruments are illustrative of the strategy's building blocks and do not constitute a recommendation of any specific product or fund house. Registration granted by SEBI does not guarantee the performance of the Portfolio Manager or assure any returns to investors. This page is for information only and is not an offer, a solicitation, or investment advice. Please read the Disclosure Document and the client agreement carefully before investing. The minimum investment for portfolio management services is ₹50 lakh, as prescribed by SEBI.