Alignment of the advisor and the investor is paramount to successful investing.

You may avail our advisory services only if you have a 5+ yr investment horizon.

Investing is not physics and there are not fixed laws

Investing is a game of probability

Stock markets are always either overvalued or undervalued and rarely fairly valued.

The two most important behaviour traits for the investor are

• Contrarian behaviour
  Be greedy when others are fearful and be fearful when others are greedy
  Invest more during bear markets and be cautious during bull markets
• Patience Long-time horizon

If I want to give an academic response to this question, there is enough material to be written which you keep reading for at least the next 2 hours. However, I see risk as something very different

• Volatility in stock prices is not risk
• The real risk is “permanent loss of capital”
• Risk comes from not knowing what you are doing
• Diversification is good, however it also reduces your returns over the long-run

The best ways of managing / controlling risk are

1. Long time horizon
2. Asset allocation (debt Vs equity)

Controlling these two variables moves the maximum in terms of moving the needle on risk management.

Advisory fees = 2% of corpus i.e Assets under Advice (AUA) per annum

18% GST is additional

We charge 1% + GST of AuA at the end of every 6 months

For a corpus of more than Rs 5 Cr, we charge 1.5% + GST of AuA per annum

90% of the active fund managers / advisors under-perform the index over the long-term

We are well aware of this.

Though we offer direct stock advisory, we strongly recommend that our investors have sufficient allocation to index funds through monthly SIPs because this is the right approach to building your personal equity portfolio (even if it means we are not earning for giving you this advice)

We don’t want to charge you 2% fees and then recommend you to buy HDFC Bank or TCS. Every mutual fund has an exposure to such companies at a much lower fee.

We can beat the market only if we act contrarian and go to places where other advisors are either scared to go or do not have sufficient research insights

Also, we know that superior research / investing skills is not our biggest edge

Our biggest edge is behavioural - psychological and financial ability to invest more during bear markets

If you are looking to outsource your money management, choose our custom advisory services (with 2% per annum fees)

Typically these are people who have decided on Candor Investing as their advisor and don’t want to take decisions on when to invest, how much to invest in which product - stock / mutual fund etc

If you are an investor who is happy to pay for research services but would like to take his/her own decisions when it comes to investing, then subscribe to our model portfolio / smallcase

Our investment philosophy emphasizes quality businesses at reasonable valuations, held for the long term. While rebalancing is an ongoing process, we avoid frequent reshuffling. Instead, we closely monitor key factors, including management, industry dynamics, and external influences, and act decisively when needed, balancing stability with adaptability. We share the investment rationale behind investing in a particular company initially and at the time of rebalancing.

However, we are reluctant buyers and reluctant sellers and hence there are long periods of time (several months) when we may not have new recommendations

The process of onboarding is very simple:

1. Submit KYC documents (Aadhaar, PAN, etc.)
2. Risk profiling & suitability assessment
3. Sign agreement & also sign the risk profiling & suitability assessment questionnaire

We'll guide you through each step, ensuring a smooth and efficient onboarding experience.