Institutional Strategy for HNIs

The All-Weather Wealth Strategy

A sophisticated alternative to traditional Fixed Deposits, designed to thrive in every market cycle through strategic diversification.

"Traditional Fixed Deposits often fail to beat inflation after taxes. Our approach is built for a smooth ride."

TS

Tejas Suthar

Founder, Raghuvir Consultants

Our Philosophy

Prepared for any market, not timing the market.

Inflation quietly erodes your purchasing power. This strategy allocates across five asset classes that react differently to economic changes—ensuring that when one asset underperforms, another typically compensates.

  • ✓ Higher long-term returns vs FD
  • ✓ T+2 Liquidity — No lock-in periods

Comparative Analysis

Strategy vs. Traditional Banking

Projected Performance Data (2016 - 2026)

Typical Bank FD

Target Annual Return

6.5% - 7.5%

Tax Efficiency

Low (Taxed annually on accrual)

Inflation Protection

Minimal

Recommended

All-Weather Strategy

Target Annual Return

9.0% - 10.5%

Tax Efficiency

High (Taxed only on withdrawal)

Inflation Protection

High

Capital Protection

Not all eggs in one basket.

55% Government Safety

Held in Indian Government Bonds (Gilts). Sovereign safety with steady interest income.

30% Corporate Growth

Invested in Nifty 50. Ownership in top 50 blue-chip companies like Reliance and HDFC.

15% Real Assets

Gold & Silver ETFs. Your insurance policy against currency depreciation and global shocks.

100% Strategic

The 2026 Tax Advantage

Optimized for Your Bottom Line

Equities

The Equity Shield

LTCG threshold increased to ₹1.25 Lakh. If you make ₹2 Lakh profit, only the portion above ₹1.25 Lakh is taxed at 12.5%.

12.5% LTCG (>12m)
Gold & Silver

Reduced Holding Period

Gold now qualifies for LTCG in just 12 months (previously 36). A major win for liquidity and tax efficiency.

12.5% LTCG (>12m)
Debt

Zero TDS for Residents

Unlike FDs where 10% is cut automatically, ETF sales have ZERO TDS. You maintain full cash control until your ITR filing.

Slab Rate No Lock-in

Pro-Tip for HNIs

We utilize "Tax-Loss Harvesting" to offset any short-term market dips against gains, further lowering your effective tax rate.

NIFTYBEES | GOLDBEES | SETF10GILT