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Build Wealth.
With Clarity.

We give you a proven Flexi-Wealth System to build a Resilient Portfolio that works across market cycles, your lifetime & beyond. Scroll down to learn how.

SEBI Registered Research Analyst (INH000016630)
Unbiased Research. No MF distribution or commission earning activities. Client First approach.

Flexi-Wealth System

01. What is it?

Core + Satellite + Overlay Architecture

We create a Flexi-Wealth System through a 3-Layered Architecture of Core, Satellite and Overlay/Hedge Portfolios. These portfolios are diversified and uncorrelated in a way that they supplement each other across market cycles.

Core

Balanced Asset Allocation
  • 60-100% of your Portfolio can be invested here. For most investors, this portfolio is enough for entire life.
  • Balanced Portfolio that grows steadily with lower volatility across market cycles.
  • Invests only in Mutual Funds/ETFs across equities, debt and precious metals.
  • Weights adjust dynamically with market conditions.
  • Suitable for all Investors from beginner to advanced.

Satellite

Quality Stocks in Momentum
  • 20-30% of your Portfolio can be invested here. Investors willing to take higher risk & volatility for higher growth can invest here.
  • Adds Growth element to the overall Portfolio by picking Quality Stocks in Momentum.
  • Recommendations consist of Large, Mid and Small Cap Stocks above ₹5000 Cr Market Cap. No illiquid or penny stocks.
  • Holds on to winners and Cuts losers fast. 
  • Holds cash when opportunities are scarce.

Overlay/Hedge

Short Term Strategies + Hedging
  • Overlay Strategies can be run by pledging Core Portfolio without need for additional capital.
  • A tactical layer to generate supplemental returns on top of Core/Satellite Portfolio. 
  • Includes hedging strategies that protect your Core/Satellite portfolio during downfalls.
  • Hedged Options Strategies with Asymmetric Upside and Limited Risk.
  • Can be run Manually or through Algos without the need to monitor.

02. How it works?

If set up properly, the Core, Satellite & Overlay portfolios can work together efficiently across cycles. 

  • Core Portfolio is the steady engine. As it grows, you get more capital/margin to pledge and run Overlay Strategies.
  • During bull markets, both Core and Satellite portfolios will likely be up. Overlay Strategies could be up or down. But overlay strategies have limited risk which would not drag the overall portfolio return, if sized properly.
  • During bear or sideways markets, Core and Satellite Portfolios may not be moving up. But Overlay Strategies + Hedge could come to the rescue. 
  • Overlay + Hedging Strategies do not require significant Capital. It uses pledged margin, recycles profits, protects Core/Satellite Portfolios to add further compounding velocity.
  • This ensures continuous re-investment across portfolios with well-managed risk and availability of sufficient liquidity at all times.
  • Your Wealth becomes more flexible and gives you more options throughout your life.

03. How to execute this system?

Phase 01.
Start

Your Capital: ₹0 - ₹5 lacs

What to do:
First step is to start investing through SIPs using the Core Portfolio to reach ₹5 Lacs.

- You do not need anything else at this stage. Avoid Intraday Stock Trading or Options Buying. Mostly you will end up losing your capital.
- If you wish to learn, choose the Tools & Concepts Plan. We have curated tools, concepts and strategies that will help you understand, build & test your own strategies before you start investing/trading on your own.

Phase 02.
Grow

Your Capital: ₹5 lacs - ₹20 lacs

What to do:
- Continue investments in Core Portfolio.

 - If you are willing to take higher risk and accept higher volatility, add Satellite Portfolio.
- The weightage of Satellite Portfolio should not exceed 30% of your overall investments.

- To do your own analysis and build/test your own strategies you can choose the Tools & Concepts plan.

Phase 03.
Scale & Protect

Your Capital: ₹20 lacs +

What to do:
- Keep 70% in Core + 30% in Satellite

- Start “Overlay Portfolio”. You can pledge the Core Portfolio to fund the Overlay Strategies without additional capital.

- As your capital crosses ₹20 lacs, you might also want to hedge your portfolio from market crashes and protect your capital.
- We have provided one such hedging strategy in the Short Term Strategies Plan.

- To do your own analysis and build/test your own strategies you can choose the Tools & Concepts plan.

Note: Finvezto is a SEBI Registered Research Analyst. This roadmap is general education and not personalized financial planning.

04. Choose Your Plan(s)

As mentioned above, we have 4 Plans that supplement each other. Not everyone needs a Satellite or Overlay Portfolio. If you are just starting your investing journey, a Core portfolio should be enough. As your capital and risk appetite grows, you can choose other plans. Please feel free to WhatsApp us in case you need assistance.

Finvezto Evergreen

Balanced Wealth Building suitable for everyone including new Investors

Best Mutual Funds/ETF Recommendations across Stocks, Bonds and Metals.

Dynamic Asset Allocation based on Market Regime

Suitable for both SIP/Lumpsum anytime across Market Cycles.

You can directly invest in our portfolio or take the Recommendations and execute them manually.

Individual Support over WhatsApp & Email

GST, Payment Gateway charges and other charges Included. No Hidden Charges.

Finvezto Momentum

Stock Recommendations based on Quality & Momentum (Multi-Factor Model)

Portfolio of 15 Stocks with > 5000 Cr Market Cap

Large, Mid and Small Caps only. Strictly No Penny Stocks.

Suitable for both SIP/Lumpsum anytime across Market Cycles

You can directly invest in our portfolio or take the Recommendations and execute them manually.

Individual Support over WhatsApp & Email

GST, Payment Gateway charges and other charges Included. No Hidden Charges.

Short-Term Strategies + Hedging

Options Strategies with Asymmetric Upside and Limited Risk

Hedging Strategy to protect your portfolio during market crashes

Strategies can be run Manually or through Algos (We provide material on Algo Trading as well)

Daily Post Market Analysis, View & Plan

Individual Support over WhatsApp & Email

GST, Payment Gateway charges and other charges Included. No Hidden Charges.

Tools &
Concepts

Professional Grade Tools for both Investors & Traders.

In-Depth Stock Analysis Tools & Reports

Build and Test your own Strategies with Live Data (Build, Backtest, Paper Trade, Live Trade)

Collection of 50+ Strategies that have outperformed the index across cycles

Conceptual Lessons. Pre-Recorded Videos. No Doubt Clearing or Individual Support Provided. Self Study only.

GST, Payment Gateway charges and other charges Included. No Hidden Charges.

About Me

Anand Ganapathy K

  • SEBI Registered Research Analyst
    (SEBI Registration Number : INH000016630)

  • Founder, Finvezto Stock Research

  • 14 Years of Investing & Trading Experience

  • Evidence Based Investing & Trading Philosophy

  • Key Research Areas include Anti-Fragile Portfolios, Dynamic Asset Allocation, Momentum Investing and Convexity of Options.

  • Post Graduate in Management from IIM Ahmedabad

Photo of Founder, Anand Ganapathy

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Research Analyst: Anand Ganapathy K

SEBI Registered Research Analyst

SEBI Registration Number: INH000016630

Registration Validity: 24 June 2024 - Perpetual

BSE Enlistment Number: 6213

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