Where do you invest?
We invest your savings across three asset classes - Equity, Fixed income, and Gold. We invest only across ETFs and mutual funds. Even for global exposure, we stick to global ETFs and mutual funds. We do not provide stock advice or stock portfolios.
Apart from this, we also provide advice on tax-efficient government schemes.
What is your investment philosophy ?
We follow a passive approach to equity investing. We believe that, over the long-term, investing in low-cost index-based mutual funds or ETFs provides a significant advantage to actively-managed equity funds.
We view fixed income allocation as capital protection. We invest across funds that have very low default risk.
To determine the exact allocations, we use principles from global experts - such as Modern Portfolio Theory and the Black and Litterman model. These principles help us identify combinations (of asset classes) that deliver the best outcomes.
Who makes investment decisions?
Our investment committee manages all asset classes and portfolios. The Thrive advisor chooses a combination of asset classes that satisfies your unique requirements.