Objective

Structured, transparent, repeatable process for selecting and reviewing MF/SIF schemes. Category → AMC → Scheme approach aligned with investor's risk profile, goals, and horizon.

Asset Allocation

Based on risk profile (Conservative to Very Aggressive), allocate across Equity, Debt, Hybrid, Liquid, Gold, SIF strategies only for eligible Tier 5-6 investors.

Category Selection

Within each asset class, select SEBI category (Large Cap, Flexi Cap, ELSS, Short Duration, etc.) based on goal, tenure, and tax efficiency.

AMC Shortlisting

Evaluate AMC stability, investment team tenure, process consistency, regulatory track record, and operational reliability.

Scheme Evaluation

Quantitative: Rolling returns (3Y/5Y), Sharpe/Sortino, Alpha, Standard Deviation, Maximum Drawdown, BER impact.
Qualitative: Fund manager tenure, concentration, style drift, exit load.

Suitability Check

Map against 6-tier suitability matrix. No scheme above investor's risk ceiling.

Recommendation

Letter/email with scheme, category, rationale, risk level, holding period, and suitability mapping.

Execution

BSE STAR MF platform. Client consent documented. Investwell back-office integration.

Portfolio Review

• Semi-annual minimum. Quarterly monitoring.
• Rebalancing based on market changes, goal progress, and life events.
• Flag underperformance: benchmark 4+ quarters, FM change, AUM decline >20%, style drift.
• SIF strategy reviews: leverage utilization, derivative exposure, strategy deviation.
• Max CAGR 12% p.a. per AMFI BPG.

Execution-Only Protocol

If investor insists on a scheme above the approved risk ceiling:

1. Written Unsuitability Declaration.
2. Execution-Only Consent signed.
3. Tagged in back-office as per SEBI Master Circular 15.5.1.4(b).