Investment Objective
This is a multi-asset class approach with an objective of generating optimum risk adjusted returns by following a prudent asset allocation and deployment approach
Benchmark
| Constituent | Allocation |
| Nifty 50 TRI | 50% |
| CRISIL Short Term Bond Fund Index | 30% |
| CRISIL Liquid Fund Index | 20% |
Allocation of portfolio across types of securities
| Allocation | % |
| Equity | 0% to 100% |
| Debt and Cash | 0% to 100% |
Minimum Account Size
Rs.50 lakhs or such other amount as decided by the Portfolio Manager at its sole discretion, subject to applicable SEBI Regulations that may come into force from time to time.
Investment Approach
The portfolio invests in equity and equity related Securities; fixed income instruments (including but not limited to commercial papers, certificate of deposits, bonds, non-convertible debentures, convertibles, market linked debentures, warrants, structured products); exchange traded securities (including but not limited to REITs, INVITs, Commodities, Gold Bonds etc.).
Recommended Investment Horizon
The recommended investment horizon for this approach is 12 months and above.
Risk Factors
Liquidity risks: The liquidity of the Scheme’s investments may be inherently restricted by trading volumes, transfer procedures and settlement periods. Liquidity Risk can be partly mitigated by diversification, staggering of maturities, as well as internal risk, controls that lean towards purchase of liquid securities.
Volatility risks: There is the risk of volatility in markets due to external factors like liquidity flows, changes in the business environment, economic policy etc. The scheme will manage volatility risk through diversification
Credit risks: The risk of default on a debt that may arise from a borrower failing to make required payments. The risk is that of the lender and includes lost principal and interest, disruption to cash flows, and increased collection costs. The loss may be complete or partial.
What it takes to compound portfolio consistently?
Experience & expertise
Portfolio management requires extensive knowledge of markets, the economy, and products.
Considerable time
Monitoring, following, and analyzing markets, the economy, and products is a full-time job.
Access to credible information
Access to credible research and market news, as well as analysis of their impact, can make a world of difference.
Timely investment decision
Timely decision-making has a significant impact on portfolio performance.
Comprehensive reporting
Effective portfolio management requires an up-to-date dashboard of information to identify performance gaps and implement corrective measures.
The Solution: Consistent Compounder
Path to Consistent Compounding
With a portfolio-based approach, money is invested to its full potential.
Comprehensive Investment Approach
The combined portfolio of Equity (Large, mid, small cap & international funds), Debt (debt MFs, bonds, REITs, InvITs) and Gold ETF, based on the risk appetite.
High-Quality portfolios
Premium investment portfolios of handpicked funds crafted & managed by experts.
Efficient Risk Management
Optimum allocation, diversification & continuous risk monitoring.
Why choose a Consistent Compounder?
- Managed by an institution, not an individual: Managed by distinguished experts across fields coming together as Global Investment Advisory Committee [GIAC].
- Financial Discipline: Strict adherence to stated objectives with well-defined investment contours to accommodate market fluctuations.
- Cost efficient: Investments are made through direct mutual funds and ETFs.
- Operational Ease: Seamless investment process with high-end technology for execution and reporting [Monthly Statement of Account].
- Superior Service: A dedicated relationship manager at your service.
Consistent Compounder Model Portfolios: Broad contours and limits
| Asset Class | Balanced | Growth |
| Equity | 30% to 60% | 65% to 100% |
| Fixed Income | Upto 70% | Upto 35% |
| Alternatives | Upto 15% | Upto 20% |
| Cash & Liquid | Upto 15% | Upto 15% |
| Benchmark | 50% Nifty 50 TRI: 50% CRISIL Short Term Bond Fund Index | 85% Nifty 50 TRI: 15% CRISIL Liquid Fund Index |
Offerings ranging across asset classes and diverse risk profiles
Balanced Model Portfolio
Ideal for those who don’t mind a little bit of fluctuation in their investment returns but would be uncomfortable with significant ups and downs.
Top 5 Equity Sector Vs. Nifty 50
| Equity Sectors | Portfolio Allocation | NIFTY 50 |
| Financial Services | 30.0% | 37.7% |
| IT | 11.8% | 14.1% |
| Oil & Gas | 8.9% | 12.1% |
| Consumer Goods | 14.0% | 9.6% |
| Automobile | 6.4% | 5.3% |
- Liquidity Profile: 100% Open Ended
- Maximum Manager Exposure: 20.00%
Consistent Compounder – Balanced Model Portfolio
| Asset Class | Solution | Allocation Total | Allocation |
| Equity | Kotak Bluechip Fund | 40.00% | 7.00% |
| Equity | Nippon India Large Cap Fund | 40.00% | 7.00% |
| Equity | Large Cap ETFs | 40.00% | 15.50% |
| Equity | SBI Flexi Cap Fund | 40.00% | 3.00% |
| Equity | Kotak Emerging Equity Fund | 40.00% | 2.50% |
| Equity | International Equity Funds | 40.00% | 5.00% |
| Fixed Income | Aditya Birla Money Market Fund | 56.25% | 11.25% |
| Fixed Income | HDFC Money Market Fund | 56.25% | 5.00% |
| Fixed Income | InvITs | 56.25% | 10.00% |
| Fixed Income | REITs | 56.25% | 10.00% |
| Fixed Income | Bharat Bond FoF – April 2033 | 56.25% | 10.00% |
| Fixed Income | Nippon India Nivesh Lakshya Fund | 56.25% | 10.00% |
| Alternative | HDFC Gold ETF | 3.75% | 3.75% |
| Grand Total | 100.00% |
Balanced Portfolio – Top 10 Holdings
| Equity Exposure | Allocation |
| Reliance Industries Ltd. | 2.12% |
| ICICI Bank Ltd. | 1.97% |
| HDFC Bank Ltd. | 1.97% |
| Infosys Ltd. | 1.50% |
| Housing Development Finance Corporation Ltd. | 1.26% |
| ITC Ltd. | 1.26% |
| Larsen & Toubro Ltd. | 1.16% |
| Axis Bank Ltd. | 0.99% |
| State Bank Of India | 0.88% |
| Tata Consultancy Services Ltd. | 0.66% |
| Grand Total | 13.77% |
| Debt Exposure | Allocation |
| Mindspace/Embassy REIT | 10.00% |
| Indigid / PGCIL InvITs | 10.00% |
| 08.13% GOI – 22-Jun-2045 | 3.23% |
| 08.17% GOI – 01-Dec-2044 | 2.93% |
| 07.06% GOI – 10-Oct-2046 | 1.47% |
| Nuclear Power Corporation of India Ltd. SR-XXXVII 07.55% (23-Dec-32) | 1.38% |
| National Bank For Agriculture & Rural Development SR-23E 7.54% (15-Apr-33) | 1.19% |
| Hindustan Petroleum Corporation Ltd. SR-V 7.54% (15-Apr-33) | 1.12% |
| Power Finance Corpn. Ltd. SR-BS220 07.58% (15-Apr-33) | 1.12% |
| Housing & Urban Development Corporation Ltd. -SR-B 7.52% (15-Apr-33) | 1.11% |
| Grand Total | 33.55% |
About Fund Manager
Anshu Kapoor : President & Head, Nuvama Asset Management
Anshu Kapoor, who serves as the President and Head of Investment Management for Edelweiss Global Wealth Management in Mumbai, has been a regular contributor to our platform with his insightful and articulate views. He has also been a keen supporter of some of our events. Anshu recently sponsored and participated in our last Digital Dialogue event of 2021, which brought together a panel of experienced bankers and digital transformation experts to discuss the current state and future trends of India’s dynamic wealth management market. Anshu stood out among the panel members with his valuable observations and enthusiasm.
Growth Model Portfolio
If you are a growth investor, you want long-term growth and understand that a loss in one year may be the price you have to pay to achieve your financial goals.
Top 5 Equity Sector Vs. Nifty 50
| Equity Sectors | Portfolio Allocation | NIFTY 50 |
| Financial Services | 29.9% | 37.7% |
| IT | 11.7% | 14.1% |
| Oil & Gas | 8.6% | 12.1% |
| Consumer Goods | 13.8% | 9.6% |
| Automobile | 6.5% | 5.3% |
- Liquidity Profile: 100% Open Ended
- Maximum Manager Exposure: 18.75%
Performance Table
| Asset Class | Solution | Allocation Total | Allocation |
| Equity | Kotak Bluechip Fund | 75.00% | 12.00% |
| Equity | Nippon India Large Cap Fund | 75.00% | 12.00% |
| Equity | Large Cap ETFs | 75.00% | 29.00% |
| Equity | SBI Flexi Cap Fund | 75.00% | 6.00% |
| Equity | Kotak Emerging Equity Fund | 75.00% | 6.00% |
| Equity | ICICI Pru Small Cap Fund | 75.00% | 3.75% |
| Equity | International Equity Funds | 75.00% | 6.25% |
| Fixed Income | Aditya Birla Money Market Fund | 56.25% | 11.25% |
| Fixed Income | HDFC Money Market Fund | 20.00% | 10.00% |
| Fixed Income | Aditya Birla Money Market Fund | 20.00% | 10.00% |
| Alternative | HDFC Gold ETF | 5.00% | 5.00% |
| Grand Total | 100.00% |
Growth Portfolio – Top 10 Holdings
| Equity Exposure | Allocation |
| Reliance Industries Ltd. | 4.27% |
| HDFC Bank Ltd. | 3.97% |
| ICICI Bank Ltd. | 3.93% |
| Infosys Ltd. | 3.02% |
| Housing Development Finance Corporation Ltd. | 2.53% |
| ITC Ltd. | 2.47% |
| Larsen & Toubro Ltd. | 2.20% |
| Axis Bank Ltd. | 1.92% |
| State Bank Of India | 1.71% |
| Tata Consultancy Services Ltd. | 1.40% |
| Grand Total | 27.42% |
| Debt Exposure | Allocation |
| 182 Days Treasury Bill – 29-Jun-2023 | 0.87% |
| Housing Development Finance Corporation Ltd. -355D (26-Dec-23) | 0.41% |
| Union Bank of India (10-Jan-24) | 0.38% |
| 182 Days Treasury Bill – 23-Mar-2023 | 0.35% |
| HDFC Bank Ltd. (15-May-23) | 0.35% |
| National Bank For Agriculture & Rural Development (23-Jan-24) | 0.33% |
| Small Industries Development Bank of India (11-Jan-24) | 0.32% |
| IndusInd Bank Ltd. (06-Mar-23) | 0.32% |
| IndusInd Bank Ltd. (26-Apr-23) | 0.30% |
| Panatone Finvest Ltd. -364D (22-Jan-24) | 0.29% |
| Grand Total | 3.91% |
Model Portfolio – Performance Table
| Returns as on 31 March 2023 | Balanced Portfolio | Growth Portfolio |
| Portfolio Returns (net of management fees) | 12.93% | 14.75% |
| Benchmark Returns | 10.46% | 12.89% |
| Net Alpha | 2.47% | 1.86% |
| Benchmark Composition | 50% Nifty50 TRI: 50% CRISIL Short Term Bond Fund Index |
85% Nifty50 TRI: 15% CRISIL Liquid Fund Index |
| Excess Returns from Asset Allocation Decisions | 0.58% | 1.84% |
| Excess Returns from Product Selection Decisions | 2.34% | 0.62% |
Power of Compounding
For a portfolio of ₹ 1 Cr. invested, the simulated returns are depicted below:
| Year / Return | 10% | 12% | 15% |
| 3 years | 1.33 Cr. | 1.40 Cr. | 1.52 Cr. |
| 5 years | 1.61 Cr. | 1.76 Cr. | 2.01 Cr. |
| 10 years | 2.59 Cr. | 3.10 Cr. | 4.04 Cr. |
For a portfolio of ₹ 1 Cr. plus ₹ 10 lakh top-up investment increasing by 10% every year
| Year / Return | 10% | 12% | 15% |
| 3 years | 1.57 Cr. | 1.65 Cr. | 1.78 Cr. |
| 5 years | 2.19 Cr. | 2.37 Cr. | 2.66 Cr. |
| 10 years | 4.71 Cr. | 5.43 Cr. | 6.71 Cr. |
Fee Structure
Management fees (as % AUM) for different investment corpus :
| Management Fee | Upto ₹ 1 Cr. | ₹ 1-2 Cr. | ₹ 2-3 Cr. | ₹ 3-5 Cr. | ₹ 5 Cr.+ |
| Balanced | 1.75% | 1.50% | 1.25% | 1.00% | 1.00% |
| Growth | 2.00% | 1.75% | 1.50% | 1.25% | 1.00% |
Exit Load
- 2% for redemptions prior to completion of 1 year from the date of investment.
- 1% for redemptions after completion of 1 year and prior to 2 years from the date of investment.
- Nil after completion of 2 years from the date of investment.
- Note: The above exit load is over and above the applicable exit load, if any, of the scheme.
Global Investment Advisory Committee (GIAC)
Team of experienced individuals, experts in the respective field’s equities, fixed income, research, alternates & risk management. The committee meets monthly to debate market conditions, events and economic forecasts and provide their thoughts on optimal portfolio allocations across asset classes.
- Ajay Marwaha, Head, Fixed Income Markets
- Ajay Vora, EVP, Nuvama EDGE
- Alok Saigal, President & Head, Nuvama Private
- Anshu Kapoor, President & Head, Nuvama Asset Management
- Ashish Kehair, MD & CEO, Nuvama Group
- Dhawal Dalal CIO – Fixed Income, Edelweiss AMC
- Kapil Gupta, Executive Director, Economist
- Keyur Ajmera, Chief Risk Officer, Nuvama Private
- Onkarpreet Singh Jutla, Chief Products Officer, Nuvama Private
- Saurabh Rungta, Senior Managing Partner & CIO, Nuvama Private
- Shiv Sehgal, President & Head, Capital Markets
- Amit Rajawat, Fund Manager, Infinity Mandate
For any queries, contact us on Mobile: +91 836 858 6435, Landline: 020-48627339,Toll Free: 1800 210 1995, Email: [email protected] 
Disclaimer: Investing Involves Risk. This document is for information purposes only and should not be viewed as a legal offering document or solicitation. Offers to invest in this fund are made only by the Discretionary Portfolio Management Services Agreement. Past performance does not guarantee future results and there is no assurance that the managed accounts will necessarily achieve their objectives. We do not guarantee any returns in the hand of investors not we take any sort of accountability for the performance of the scheme. The above-mentioned data is collected from the respected Fund house please verify the same at SEBI website.