Who is it for?
The Long Term recommendation service is for Investors looking to build wealth over the long term. Long Term indicates a timeframe of at least 5+ years.
If you fall into one of the categories below, then this service is for you.
Investors just starting your investment journey and requiring structured learning and support
DIY (Do It Yourself) Investors requiring research and evidence-based recommendations
Investors interested in learning different Long Term Portfolio Strategies
What you get?
The Portfolio
Well Researched Mutual Funds & ETFs to build your Long Term portfolio
Best Equity, Bonds & Gold Mutual Funds
Timeframe & Risk Tolerance based Portfolios for your different goals with holding period of 5 years, 7 years, 10 years etc.
The Strategies
Core & Satellite Portfolio Building Approach
Evidence-Based Asset Allocation Models with better risk-adjusted returns
SIP & Lumpsum Methodologies
Tactical Buying of Nifty Bees
Costs & Tax Minimization approaches
Learning & Support
Learn to build different types of Portfolios as per your needs
Course Material, Videos, Posts & Lessons
Exclusive Group to address your Queries
Independent & Unbiased Views. No Promotions. No Commissions.
How we build Systems for Long Term Investing?
Our Long Term Recommendations service ensures good balance of the key aspects of Long Term Investing.
Timeframe of Investment
Timeframe of Investment Strategic foundation of all investment decisions. Defines your horizon for wealth building and compound growth potential. Critical for withstanding market volatility.
Risk Tolerance & Return Expectations
Risk Tolerance & Return Expectations Personal risk appetite drives portfolio construction. Balance between growth ambitions and comfort with market fluctuations shapes investment selection.
Asset Allocation & Diversification
Research & Evidence-based distribution across asset classes thereby reducing portfolio risk and optimizing return potential.
Lower Volatility & Higher Risk-Adjusted Returns
Strategic mix of both offensive and defensive assets to achieve better risk-adjusted returns over the long term and across different market cycles.
Costs & Tax Minimization
Strict Fund Selection Criteria to minimize costs + Smart tax strategies that preserve and compound wealth over time.
Liquidity to be able to withdraw when needed
Strategic balance between accessibility and long-term commitment. Built-in flexibility for unexpected needs without disrupting core strategy.
Review & Rebalancing
Regular portfolio review ensures alignment with goals. Systematic rebalancing captures market opportunities while managing risk.
The above elements work in harmony to create robust long-term portfolios that help you build wealth over the long term. Their implementation varies based on individual circumstances and will be explored in detail through our service.
Note: In this service, we will not be providing individual stock recommendations for the long term. We have a separate service where we provide Stock Recommendations for the Medium term to ride the up move. It is momentum based. All Long Term investments are only through Mutual Funds/ETFs. I explain the rationale below.
Why only Mutual Funds and not Individual Stock Picks?
I will add a datapoint from the US Markets to illustrate why it is difficult to pick stocks for the long term.
94% of the US Large Cap Funds underperformed their benchmarks over a 20 Year period.
In India, about 75% of the large cap active funds have underperformed their respective benchmarks over the last 15 years. You have some of the brightest financial minds in India, armed with Bloomberg terminals, exclusive Management access, and decades of market experience. Yet, 75% of them are losing to a simple rule-based index over the long haul. It is quite difficult to pick winning stocks over the long term.
Mutual Funds route provides multiple advantages. I have listed some below.
Quick Diversification
Mutual Funds provide the ability to invest in a basket of asset classes. Mitigates losses from single-stock underperformance or equity market shocks.
Convenience
Easy to Automate your Investments systematically via SIPs with even ₹500
Lower Costs & Taxes
Maintaining an Individual Stock Portfolio might turn out be costlier. When you rebalance your individual stock portfolio it becomes taxable. Dividends from the stocks are also taxed. Whereas in Mutual Funds we suggest, rebalancing is tax free and dividends are re-invested.
Professional Management
Professional managers handle your Mutual Fund investments and the system is very well regulated by SEBI. This helps you focus on your primary job. Your only goal should be to increase income and the SIP amount every year.
Minimizing Regret
Reduces emotional trading mistakes and biases. Saves Energy and Time that can be diverted to other productive areas to increase income. The focus should be on building a strong financial base by avoiding unnecessary risks. Picking Individual Stocks for the Long Term is very risky. That game is not for everyone and requires deeper understanding.
Picking winning stocks for the Long Term is becoming increasingly difficult
Rapid Innovation cycles, Global Competition, Increasing Market Efficiency, Changing Regulations have made stock picking over the long term very difficult.
How to Join Long Term Recommendations Service?
Currently we are restructuring the service as per the new SEBI regulations. It will soon be updated (by Feb 2025). More details will be added here soon. Thank you for your patience.
