Investment advisory
Property, and the money
that has to outlive it.
Property brokerage across the Tricity, Punjab, Haryana and Himachal, and planning and portfolio work for business owners, senior professionals and families wherever they are.
What we believe
Most of the return
comes from decisions
you only make once.
How much you save, how it is split between growth and safety, what it costs you to hold, and whether you stay put through a bad eighteen months. Everything after that, including the fund selection, the entry point and the clever product, is a rounding error by comparison.
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Obligations first
School fees, a parent's care, a business that may need working capital next winter. These set the floor before anything is invested.
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Allocation, then products
The split across equity, debt, gold and cash is decided and written down. We then choose instruments to fill it, and never work the other way round.
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Cost and tax
Expense ratios, exit loads and the tax on every rupee moved. A rebalance that triggers capital gains you could have avoided has cost you more than it earned.
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Review by rule
Twice a year and on life events. We rebalance to bands agreed in advance, so no one is forecasting the market on a Tuesday morning.
Mandates
Where the advice applies.
Advice is given under a signed engagement after a documented risk assessment. We do not accept custody of your funds. Assets stay in your name, with your bank, broker and registrar.
Property, brokered with the numbers checked first
We deal in property across the Tricity and the states around it: buying, selling and leasing residential, commercial and plotted space. What separates this from calling an agent is that the title search, the RERA check and the tax working are done in-house by the same firm, before the token money moves rather than after.
Our brokerage is agreed in writing before we start, and anything we stand to earn from the other side of a transaction is disclosed to you first. If the numbers do not work we will say so and lose the commission, which is a large part of why it is worth buying through a firm that also files your returns.
- Buying and selling residential, commercial and plotted property
- Leasing and tenant representation
- Title, encumbrance and approval diligence
- RERA verification of project, promoter and filings
- Rental yield and cash-flow modelling against the EMI
- Holding structure: sole, joint, HUF or company
- Collector rate, stamp duty and section 50C exposure
- TDS on purchase; lower-deduction certificates for NRI sellers
- Capital-gains planning and rollover on exit
- Agreement to sell, sale deed and registration support
Where we deal. The Tricity, meaning Chandigarh, Mohali, Panchkula and Zirakpur, and across Punjab, Haryana and Himachal Pradesh. We do not broker outside these states; the compliance practice travels, this does not. Himachal carries a rule worth knowing before you fall for a hillside plot. Under section 118 of the HP Tenancy and Land Reforms Act, a buyer who is not a bona fide agriculturist of the state needs prior government permission to acquire land there at all, with a narrow exception for a built house or shop bought from a statutory corporation. We check that before you pay a token rather than after.
The written plan
A full picture of income, obligations, insurance and existing holdings, turned into a document with numbers, dates and an allocation. Reviewed annually; rewritten when life changes.
- Cash-flow and surplus mapping
- Goal costing with inflation assumptions
- Emergency reserve sizing
- Term and health insurance gap analysis
- Loan and prepayment sequencing
- Written investment policy statement
As few holdings as the job needs
A portfolio you can describe in two sentences. Broad-market equity at the core, debt sized to your obligations, and satellites only where they earn their complexity.
- Strategic asset allocation and rebalancing bands
- Index and active fund selection on cost and mandate
- Debt laddering with deposits, G-secs and target-maturity funds
- Consolidating legacy and inherited holdings
- Concentration risk from ESOPs and promoter stock
- Consolidated half-yearly performance reporting
The second half of the problem
Accumulating is the part everyone plans for. Turning a corpus into a monthly income that lasts thirty years, survives inflation and does not collapse in a bad first decade is the harder question.
- Corpus adequacy and withdrawal-rate testing
- NPS structuring, tier selection and annuity choice
- EPF, gratuity and superannuation treatment
- Bucket strategies for income stability
- Senior Citizens' Savings Scheme and SWP design
- Healthcare and long-term-care provisioning
Two tax systems, one portfolio
For non-residents and those planning a return: what may be held, what may be repatriated, what is taxed where, and what to unwind before residential status changes.
- Residential status and RNOR planning
- NRE, NRO and FCNR account structuring
- Repatriation limits and 15CA / 15CB certification
- DTAA relief and foreign tax credit
- Property purchase, rental income and TDS on sale
- Pre-return and post-return portfolio transition
How we are paid
Two mandates,
two ways of being paid.
On planning and portfolio work we take no commission, trail or referral payment from any product manufacturer or distributor. What we are paid comes from you. On a property transaction we act as a broker and are paid brokerage on completion. You will always be told which of the two we are doing before the conversation starts, and both are agreed in writing first.
What advice does not mean
Investment guidance is given as part of a professional engagement with this firm, under a signed engagement letter and a documented assessment of your circumstances, never off a website. Investments in securities are subject to market risk, including loss of principal; past performance does not indicate future results, and no adviser can promise one. We do not hold client funds or securities, and we do not offer portfolio management or execution services. Nothing on this website is an offer, a solicitation, or advice specific to your circumstances.
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