Your capital, allocated and held to a plan.
An allocation across asset classes — equity, debt, gold, real estate and cash — set against what the capital is for, then executed, reported and rebalanced rather than left to drift.
Most portfolios are not designed. They accumulate — a deposit taken because a branch offered it, a fund bought in a good year, a plot inherited — and the mix that results is the sum of separate decisions nobody made together.
The service starts from the other end. What the capital is for and when it is needed back decide the split; the split decides the instruments. The result is written down with its reasoning, its risk score and the horizon it assumes, so it can be argued with rather than simply followed.
It is then held to. Positions are reported against the plan at set intervals and rebalanced when the market has moved the mix away from it, which is the part that quietly does most of the work over a decade.
What the allocation is made of
Seven positions, each carrying a different job. The mix is the decision; the instruments are downstream of it.
- 01Real estate20.0%
The position the practice executes itself. Sized against a horizon rather than a view, because it is the least liquid thing in the book.
- Risk
- Medium
- Liquidity
- Low
- 02Mutual funds20.0%
Managed equity exposure, taken as the growth engine of the allocation and the part most exposed to the cycle.
- Risk
- Medium to high
- Liquidity
- High
- 03Fixed deposit20.0%
Contracted return with a known date. What the rest of the allocation is measured against before anything clever is attempted.
- Risk
- Low
- Liquidity
- Medium
- 04Stocks15.0%
Direct equity. The highest ceiling in the allocation and the only position that can halve inside a year.
- Risk
- High
- Liquidity
- High
- 05Gold10.0%
Held for what it does when equity does badly, not for what it returns on its own.
- Risk
- Low to medium
- Liquidity
- Medium
- 06Bonds10.0%
Income with a maturity, carrying the duration risk that a deposit does not.
- Risk
- Low
- Liquidity
- Medium
- 07Cash and liquid funds5.0%
Kept deliberately, so a position never has to be sold at the wrong moment to meet something ordinary.
- Risk
- Very low
- Liquidity
- Very high
How a mandate runs
- 01Profile
- What the capital is for, when it is needed back, and how much variance the holder will actually sit through.
- 02Allocate
- A split across the seven classes, written down with the reasoning, the risk score and the horizon it assumes.
- 03Execute
- Positions taken through the appropriate instruments. The real-estate sleeve is delivered by the practice itself.
- 04Review
- Reported against the plan at set intervals, and rebalanced when the market has moved the mix away from it.
Where real estate sits
Real estate is one position in the allocation, not the whole of it. It carries a medium risk weight and the lowest liquidity of the seven, which is why it is sized against a horizon rather than against a view.
What is different here is who executes it. The practice develops and invests in residential assets itself, so the real-estate sleeve is not bought through a third party and marked to an index — it is sourced, structured and delivered in-house, under the same registered agreements the development side works to.
