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Why Us?
Accretus Solutions is a new generation wealth management firm that helps navigate and manage your wealth through
the ‘New Normal’.
Our commitment and passion to Managing Wealth for the Resident and Non-Resident Indians arises from the fact that we would like to work with less clients and invest a lot of time towards understanding you and your needs. Our expertise lies in:
- Understanding the Global Economy and Financial Markets and present you with a clear perspective on how it could impact your portfolio from time to time.
- We would constantly engage you in conversations through various mediums of communication that is aimed at enhancing your understanding of the economy and markets.
- A well documented and customized plan that lays down the road map to managing your wealth.
- We have evolved benchmarks for standards of excellence, code of conduct, transparency and ethics that would enhance our relationship and meet your exacting standards.
While you can obviously expect the generic wealth management advantages, what you will find very refreshing with us are the unique Wealth Management Strategies and constant interactions that help you stay calm during the turbulence in the financial markets. This is made possible through the following:
- An innovative open-architecture model
- World-class bespoke solution
- Scientific, disciplined and dynamic approach to investing
- Fee only non-discretionary portfolio model
- Pro-active Single touch point relationship
These advantages are further highlighted below to elaborate why Accretus Solutions should be your wealth management partner of choice.
Open Architecture Model
The open architecture model is the first of its kind in the country and ensures that we are not aligned to any manufacturer of products or service providers in the investment space. Be it mutual funds, broking houses, insurance or other investment products. Since we are product neutral and a fee-only firm, we do not receive brokerages and incentives from products or service providers. Our Investment Recommendations are therefore truly un-biased as well as generates tremendous savings in terms of lesser transaction costs and taxes for you. This in turn enhances your Portfolio Value.
Bespoke Solution
Your Life Style Goals and Wealth Transfer needs are unique. So is your Attitude to Risk. Our wealth management strategy and plans are customized to meet your goals.
One of the constant challenges in investment management is to find customized solutions that are pro-active, dynamic yet in alignment with each client’s goals and risk-return expectations.
A couple of years ago, we took a hard look at alternate asset classes and found that its time to add in our client portfolios. The objective of adding alternate asset classes was to not only diversify risk but also capture the upside potential better. The regulatory changes also helped in increasing the ceiling for investments abroad. We researched, spotted early on for our clients the opportunities in both domestic and international alternate asset classes and implemented in some of our client portfolios. Going forward, we believe that alternate asset classes like precious metals, international commodities and private equity exposure would form a significant part of investor’s portfolio.
Our constant personal interactions with our clients along with supporting research reports and commentaries have empowered our clients to understand the global investment trends and participate actively in managing their portfolios.
Scientific and Disciplined Approach to Investing
We believe the road to ride the downturns and upturns with consistent success is to follow a scientific and disciplined approach to investing. Agreed that most of the investment models have been critiqued in the last few years, due to severe wealth erosion for investors. But we still firmly believe that the scientific and disciplined approach to investing still holds true, except that we need to manage more actively in the ‘New Normal’.
Our unique approach to managing portfolios consists of holistic risk profiling leading to portfolio construction, goal based approach to investing, global portfolio diversification and dynamic asset allocation. We follow a robust process and screens to identify investment/divestment opportunities across asset classes and monitor their performance on regular basis.
Fee Based Non-Discretionary Portfolio Model*
- Have you ever wished that you were in control of your investments?
- Are you adequately informed about the products and its risks?
- Are you provided with an Investment Policy Statement or Strategy Document?
- Do you get a written Investment Recommendation before purchase or sale of securities?
- Is there a written approval by you to effect the transactions?
Non-Discretionary Portfolio Model involves all these and more.
The fees for our non-discretionary portfolio model ranges between 0.5% - 2% of assets under management (AUM**). The fees vary depending on the ticket size and complexity of the portfolio under management. It would be pertinent to note that we do not receive any brokerages or third party fees.
Increasingly, clients are opting for Non-Discretionary Model since they would like to be pro-active in their portfolio management decisions. Post the financial crisis this has become all the more evident.
* In the U.S. it is termed as Discretionary Portfolio
** Assets under management would pre-dominantly include all floating assets. In specific instances AUM could include hard assets as well.
Single Touch Point
Do you have multiple touch points to Manage your Wealth?
Say, Banks for mutual funds and insurance. Brokers for Equity, PMS and other alternative products. Independent Financial Advisors for Post Office Investments, Insurance from LIC and others. Your Chartered Accountant for arriving at Net Worth Statement at the end of the year and some of you with Lawyers and Trusts and to manage your Estate and Social Responsibility Initiatives.
How about a Single Touch Point that eases your time off, gives you peace of mind and helps you focus on your Business or Work Projects.
Accretus Solutions shall be your Single Point Access for all your Investments and Redemptions. We can represent you and co-ordinate with your multiple channels to ensure regular and timely execution of all Wealth Management Strategies developed in consultation with you.
Our Monthly or Quarterly Portfolio Updates and Reviews would give you a Unified Snapshot of Your Portfolio Performance, top level allocations for your goals across asset classes along with transaction details.
