ArthaYantra

ArthaYantra

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The Global Markets have been enduring high volatility during the last few weeks due to falling oil prices and interest rate increase in US on the back of weak China. As an economy that is connected to global markets, Indian markets remain volatile.

 

In this situation, most of retail investors feel unsure and unsafe about their investments. Should you be really worry about your investments? 

 

The real test of the portfolio is its ability to withstand the Market fall.

 

 

 

 

Long Term Moderate Vs Nifty

 

 

AY model portfolio “Long term moderate Portfolio” has seen a fall of only 3.05 % as against NIFTY which has gone down by more than 10% in 2016. A look at Fig 1.1 compares our returns with NIFTY from Jan 1, 2016 to Feb 23 2016. 

 

Returns Comparision

 

 

Fig – 1.2 shows the comparison of our portfolio with that of other leading mutual fund platforms in India. Our Long term moderate portfolio returned negative 2% over last year whereas the other portfolios could not withstand the market downfall. It reinforces our belief that a well-diversified portfolio has to withstand such volatility.

 

Imagine a scenario where there is a 12% fall in the market, one has to earn over 14% of returns to get back to one’s initial investment. Can your portfolio really earn you such return?

 

How and Why ArthaYantra Portfolios Outperform?

 

There are two types of risks:

 

  1. Systematic or Market risk.
  2. Unsystematic risk or diversifiable risk.

 

Diversification is the key step to reduce unsystematic risk. To achieve this AY diversifies the portfolio allocation across 8 asset classes. AY creates over 100 portfolios to fit the needs of diverse customer base we have. To drive the correct recommendation after going through 15 million scenarios, AY uses the most renowned and proven Markowitz Portfolio Theory.

 

We calculate various metrics like Alpha. The excess returns of a Portfolio relative to the return of a benchmark index is the portfolio's alpha.

 

This diversification of assets also ensures lower Beta (β), Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole.

 

ratio

 Fig 1.3 shows the comparison of various metrics with ArthaYantra Long term moderate portfolio and to that of the leading MF platforms in India.

 

ArthaYantra follows a strategy of “High Alpha and Low Beta” portfolio. It ensures that the risk of the portfolio is always below the benchmark but would still generate returns above the threshold.

 

As from fig 1.3 The Sharpe ratio of our portfolio is 1.2 and Sortino Ratio is 1.5. Any portfolio with a Sharpe ratio of 1.2 and Sortino ratio of 1.5 and above is considered extremely efficient. All of ArthaYantra portfolios have a Sharpe of more than 1.

https://arthos.arthayantra.com/signup.htm

he Global Markets have been enduring high    volatility during the last few weeks due to falling oil prices and interest rate increase in US on the back of weak China. As an economy that is connected to global markets, Indian markets remain volatile.

In this situation, most of retail investors feel unsure and unsafe about their investments. Should you be really worry about your investments? Not if you are with ArthaYantra.

Long Term Moderate Vs Nifty

Fig 1.1 - This Figure shows the comparison of returns from our Long term moderate portfolio and Nifty from Jan 1, 2016 to Feb 23, 2016

AY model portfolio “Long term moderate Portfolio” has seen a fall of only 3.05 % as against NIFTY which has gone down by more than 10% in 2016. A look at Fig 1.1 compares our returns with NIFTY from Jan 1, 2016 to Feb 23 2016.

Returns Comparision

Fig 1.2 - This Figure shows the comparison of returns from our Long term moderate portfolio and some of the leading MF online platforms and NIFTY from Feb 23, 2015 to Feb 23, 2016

Fig – 1.2 shows the comparison of our portfolio with that of other leading mutual fund platforms in India. Our Long term moderate portfolio returned negative 2% over last year whereas the other portfolios could not withstand the market downfall. It reinforces our belief that a well-diversified portfolio has to withstand such volatility.

Imagine a scenario where there is a 12% fall in the market, one has to earn over 14% of returns to get back to one’s initial investment. Can your portfolio really earn you such return?

How and Why ArthaYantra Portfolios Outperform?

There are two types of risks

  1. Systematic or Market risk.
  2. Unsystematic risk or diversifiable risk.

Diversification is the key step to reduce unsystematic risk. To achieve this AY diversifies the portfolio allocation across 8 asset classes. AY creates over 100 portfolios to fit the needs of diverse customer base we have. To drive the correct recommendation after going through 15 million scenarios, AY uses the most renowned and proven Markowitz Portfolio Theory.

We calculate various metrics like Alpha. The excess returns of a Portfolio relative to the return of a benchmark index is the portfolio's alpha.

This diversification of assets also ensures lower Beta (β), Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole.

ratio

 

Fig 1.3 shows the comparison of various metrics with ArthaYantra Long term moderate portfolio and to that of the leading MF platforms in India.

ArthaYantra follows a strategy of “High Alpha and Low Beta” portfolio. It ensures that the risk of the portfolio is always below the benchmark but would still generate returns above the threshold.

As from fig 1.3 The Sharpe ratio of our portfolio is 1.2 and Sortino Ratio is 1.5. Any portfolio with a Sharpe ratio of 1.2 and Sortino ratio of 1.5 and above is considered extremely efficient. All of ArthaYantra portfolios have a Sharpe of more than 1.

Love Your Family Write a Will

 

Of all the great conquests of our lives, the most difficult one is probably selecting that unique gift for our loved one, our Valentine. How awesome it would have been to have cupid start up on Valentine gift delivery service? Imagine, in that case, you need not worry about your loved one’s likes and dislikes as cupid will know it all. You will only be required to present the gift to your dear one and take all the credit for yourself.

 

But, that’s not how it is. Of all times, it is on a Valentine’s Day that the cupid acts truant and disappears, leaving you to really do the thinking of what to gift. You know that flowers and chocolates and teddies are so overrated, and most importantly you would like to surprise your loved one, gift something as special as he or she is. So, here's an assortment of ideas you may like to consider for this Valentine's Day. The good thing is, they justify the value you invest.

 

Idea #1 Health Insurance:

 

How important is your dear one’s health? With medical expenses shooting sky high, healthcare affordability is a big question today. Should you not love to dispel that fear of monetary support from your dear one’s heart, if you can? So, this Valentine’s day why not gift your dear one a health insurance? No matter how far you are, no matter if your loved one lives alone, cash-less health policy guarantees you peace of mind and the promise of wellness to your dear one.

 

Idea #2 Gift an SIP (Systematic Investment Plan):

 

Remember the movie PS I Love You, where Holly Kennedy receives letters from her deceased husband? Those letters she would receive would bring her strength, hope and happiness and a constant assurance of him protecting her all the time. This Valentine, you can gift your dear one an SIP, by which you can contribute a very little sum in a systematic way so that in your absence, the returns come to him/her as a constant assurance of love, strength and support.

 

 

Idea #3 Doodle a home

 

5 Unique and Budget Gift Ideas for Valentine's Day 5-unique-and-budget-gift-ideas-for-valentine-s-day

 

 

Luckily the 2016 Valentine’s Day is on a Sunday. So, you and your spouse will have ample time to be with each other. Make a latte and enjoy it over doodling your dream home on that huge chart paper. Take turns in defining the spaces, the furniture you want, the number of windows, the garden etc. Go crazy until you both are tired but realize it is time to fulfill it. Promise each other your dream house and with the help of a financial advisor, get started on how to plan savings for the same. Oh, don’t forget to frame that house no matter how terrible it looks and hang it in your bedroom to remind each other of the promise till the goal is fulfilled.

 

Idea #4 Gift a holiday

 

A Valentine day celebration is not limited to being romantic with your significant other. It may also include your parents. You have always been promising to meet them but your work never allowed you that precious time. So, this Valentine day, talk to them and find out if your parents ever thought of a dream holiday and which place is that. You can then include that as one of your goals, talk to a financial planner and start investing/saving towards it. Once you have entered into a contract with your planner, share it with them over a hot meal. The delight on their face would be something to die for.

 

Idea #5 Pay off that guilt

 

Do you have an old bike, a scooter that you don’t use anymore? A laptop, or an iPhone that’s just lying there since you have upgraded to better devices? If that is so, why not sell them off and exchange the earning for a credit card pay off?

The other way could be, if you have an inclination for the creative arts (painting or photography), you can organize an exhibition on the Valentine’s night and dedicate it to your dear one. This way, your hobby gets an exposure, your dear one feels special, and you also get to help your dear one close on that bad credit card.

 

So, here is the unofficial Idea #6. If you have enjoyed all of the above and would love to explore some more ideas while continuing to manage your personal finances in an effective way, gift yourself and/or your Valentine a personalized financial advisory program from a trustworthy, unbiased, online wealth manager.

                        5 Unique and Budget Gift Ideas for Valentine's Day 5-unique-and-budget-gift-ideas-for-valentine-s-day  

Love Your Family Write a Will

 

After a bad experience with an insurance agent around 2008, Nitin Vyakaranam realised that, like himself, most of the Indian middle class doesn’t get proper advice on financial products. ‘I didn’t know much about ULIP (Unit-Linked Insurance Plan). I assumed that because the agent was an acquaintance, he would put my interest first. But I discovered later that was not true”, recounts the 37-year-old who founded ArthaYantra in 2012. The Hyderabad based startup calls itself a full service a robo advisor firm. Vyakaranam explains that ‘robo’ refers to the use of analytics to create customised advice without any human intervention. Thus, with the help of technology-deep analytics and machine learning- ArthaYantra offers financial services ranging from advise on investment, insurance, loan, portfolio to expense management and tax. The internet –based startup also connects all these aspects of personal finance, providing a holistic view of an individual’s financial health. Click here to read more Forbes India – ArthaYantra, The Money Machine.

Wednesday, 27 January 2016 10:31

What about Compounding?

Love Your Family Write a Will

 

There’s an old man called Time who is good at compounding. He compounds your savings and your debts and depending on what you choose, the experience can be either pleasurable or miserable. But what is compounding, therefore compound interest? What does it mean to your personal finances? For a better understanding, here are the 5 interesting factors about compound interest in personal finance.

 

 And a noble man said it:

 

According to Albert Einstein, "Compound interest is the greatest mathematical discovery of all time," where the results are determined not only by how much one invests but also for how long one can continue to invest. So, as mentioned earlier, Time, the old man knows how to compound. Sow your investment and let time grow it!

 

This is how it is:

 

For example, if you save an amount of INR 1000 each month for a period of 12 years at 8 percent compound interest, your account is worth INR 184000. And, then even if you just let the money be without further monthly savings, in another 15 years, it’ll be more than INR 270000.

 

No rich, no poor:

 

The principle of compounding works the same whether you invest a thousand or a lakh or more. The rich may have more options to explore but even the ones from lower income bracket can also benefit from compound interest. As explained above, money compounding at 8 percent a year will double up in 12 years and will worth four times as much in 24 years.

 

Default setting:

 

Irrespective of whether you are saving or borrowing, the math of compounding remains constant. It’ll be awesome if you are saving regularly and disastrous if you borrow. For savings to compound, shorter the duration of investment, the better it is. Likewise, if you have a debt, shorter the duration of your payback the better it is.

 

Keeping in the good books:

 

If you are not ready enough for an SIP, no sweat! Any amount is good for principle reduction on your debt (home loan or credit card). This will help reduce the interest from compounding against you. If your priority is to live a debt free life, you can always pay extra towards your scheduled EMIs.

 

Becoming wealthy is neither rocket science nor cherry picking. As mentioned above, compound interest catches up rapidly than simple interest. And remember Time, the old man? He says, the younger you are the better you compound your savings. At 25, you have more chances of becoming a millionaire than someone at 35 who may invest double the amount you would start off with. If you start a Systematic Investment Plan (SIP) now, you can see how fast compounding interest works to your advantage. To know more, visit arthayantra.com.

                       four simple ways to rebuild your finances 

Wednesday, 20 January 2016 12:47

Love your family? Write a will!

Love Your Family Write a Will

 

When we say Rest in Peace, we do not know if we are mocking the deceased who may have left without a “Will”. And to his utter dismay, he finds his loved ones involved in petty (sometimes really serious) fight over property share. Particularly, when you know that the Indian judiciary processes a legal matter over ages, trusting it to settle property dispute in your absence is almost crazy.

 

So, no matter what, a “Will” is a very important legal task that every individual must fulfill. We never know what’s ahead of us, so keep things ready always helps the purpose, especially in the case of accidental demise.

 

In India, we are very sensitive about the “Will”. We avoid talking about it, taking the intention of the surrounding people into doubt. But sooner one determines a legal confidant, the better it is. Remember, nothing passes on automatically. In the absence of a “Will”, anyone can claim your assets. You may never know how much struggle your family has to go through to acquire their legal rights on what you have actually built for them.

 

There have been instances when legal administrators too cheated their clients and usurped their property by unlawful means. Unlike the Birla’s and the Lodha’s, you know you can’t afford this. You only have this much and that must be fairly distributed amongst those who you think deserve your inheritance.

 

What is a Will?

 

A “Will” is a legal document by which one passes on inheritance in the name of deserving people who are likely to succeed the family or the interest of the deceased. In India, this law is governed by the Succession Act, 1925 with certain exceptions that can be explained to you by an estate lawyer.

 

How to make a Will?

 

  • List down all your self-acquired assets, movable as well as immovable
  • Prepare a list of relatives who among whom you would like to have your wealth distributed.
  • The “Will” must be written in simple, conversant language.
  • The “Will” must be attested by people who you can trust. It’s advisable if you select your family doctor who can evidence for your good mental health while writing the “Will” should an incident arise and the “Will” is questioned. A health certificate can also be attached to the “Will”.
  • The “Will” must be duly signed with date and place clearly mentioned at the end.

 

A little more…

 

According to the law, any person above the age of 21 of sound mental health is eligible to write the “Will”. You may also be happy to know that as and when you keep acquiring wealth or in the event of any pertinent change in your self-acquired property, you can alter the “Will” and make relevant changes as applicable. In the event of such changes, you may prefer destroying the former one to avoid confusions or intentional manipulation by members of the family or possible inheritors.

 

Registration of Will:

 

According to Indian Registration Acts, there’s no legal mandate for one to register a “Will”. However, who would like to take a chance? Certainly not you! If living was so challenging, we all would at least want to die peacefully and for that registration of a “Will” guarantees peace and serves as a proof of authenticity.

 

The scope of “Will” is wide. It goes beyond ensuring that your assets, belongings and personal possessions have been rightly passed on by ensuring peace of mind.

 

Who to trust?

 

Well trust always, as you know, comes through experiencing trust. To initiate the process, in matters concerning estate laws and legalities, consult with a legal expert who is not your family friend and yet shall testify your “Will” as situation arises. Go for someone who understands the intricacies of your personal finances and can advise you on how to allocate your wealth in measurable proportions to the deserving members of your family. Go to someone who has been compassionate and who you have learnt to trust through his or her proven track record. Consider an advisor who can be objective and match human intelligence and robotic accuracy.

 

Bottom line is:

 

If you love your family, write a “Will” today and in a surge of emotion, do not be misled or pay an unjustified amount to someone promising you a “Will”. For more, visit arthayantra.com.

 

Saturday, 09 January 2016 12:02

7 Simple Ways to Save On Your Grocery Bill

four simple ways to rebuild your finances

 

Our personal financial journey starts from our very own kitchen. In the past, women in the kitchen have always been regarded as Lakshmis for championing savings at micro-level. Under all circumstances, they would artfully tuck away extra cash without compromising on the food they would serve on the platter. Most of the times, such funds would be used for an emergency in the family. Our modern Lakshmis however, brave both the kitchen and the office with equal passion and elan. Misses are obvious because when deadlines loom over, we do not spend adequate time bargaining for those vegetables for a better price. In fact, not only women professionals, men who live alone can also benefit from these “kitchen-tricks” that’ll help Manage Personal Finances with much ease and convenience.

 

So, here are the 7 ways by which you can save on your grocery bill-

 

1. Check the fridge and the general food storage:

 

Knowing what is there in the fridge and what is not is half the battle won. So check your fridge every time before you head out for shopping. It not only saves time, but also tells you what you need to buy. Surplus food items with short life span can result into wastage.

 

2. List the items of purchase:

 

Listing down the items of purchase is a great practice. This way we can avoid being a spendthrift and also maintain a monthly budget that will safeguard our finances from misuse. The obvious advantage is that you’ll never have to work hard to recall what your spouse had mentioned for purchase.

 

3. Label your kitchen containers:

 

There have been situations when despite creating a list we end up wasting food. For example, if you are unable to figure out the container for the pulses, you may list it anew and buy again. Or for that matter, you may consider the jar of salt for milk powder leading to over-purchase. Hence, labeling your jar helps.

 

4. Do not go out shopping with a hungry stomach:

 

Our grandparents often say that do not go out empty stomach because hunger can mislead us. Indeed so. Imagine how you may succumb to a range of tasty food leading to overspending. Not only personal finances, this will affect your health as well.

 

5. Adhere to your known list of fruits and vegetables:

 

When Rebecca (name changed on request) saw those amazing wood apples, she didn’t care for her list of purchase. Later, when she came home, she was unsure of what to do or how to go about savoring the fruit. Such situations lead to both financial and emotional disappointment.

 

6. Being mindful of seasonal fruits and vegetables

 

This is a great strategy. This only helps you save money, but also supports local farmers who bring to you fresh vegetables and fruits that involve lower processing costs unlike the exotic and imported ones.

 

7. Get your grocery from the local markets

 

Visiting supermalls is as much about conveniences as much about taxes. For example, the VAT (value added taxes) that you pay at the POS (point of sales), when accumulated over a period of time can become a small fixed deposit. As such that extra 14.5 percent if donated through proper channel can save a child’s life.

 

Conclusion:

 

Small things can often lead to humble beginnings. The sooner we acknowledge that, the better it is for our finances. It won’t be an exaggeration if we say that the kitchen that feeds our stomach can also feed our finances if we are mindful about our spending habits.

                    four simple ways to rebuild your finances

Wednesday, 06 January 2016 13:39

The Right Debt Fund Will Never Be Wrong For You

four simple ways to rebuild your finances

 

Many of us live in a myth that long term investments mean relying on equity markets and completely ignoring the debts as a part of investment strategy. Owing to lack of awareness about debt funds, a layman hesitates to invest in it. But here is what a debt fund is and its types to help everyone understand its criticality.

 

Debt funds are a type of mutual funds invested in different debt based instruments like government bonds, corporate bonds and money market instruments. The gains in these debt funds are derived from the interest payments as well as capital gains due to interest rate fluctuations.

 

The fund allocation for debt instrument is always based on investment objective/s of the investor. For example, for an investment objective of low risk and higher liquidity, money market instruments are used for the funds as these instruments are not much affected by the interest rate fluctuations.

 

Below are some varieties of debt funds which are categorized as per their investment objectives –

 

1. Money Market/Ultra Short Term Fund :–

 

This type of funds focuses on providing high liquidity to investments and is lower in risk. The instruments invested in are money market instruments like treasury bills issued by RBI. The average maturity of the instruments is less than 1 year which shows that it is not much impacted by interest rate fluctuations.

 Suitable for –

Investors having surplus cash and want to invest in safe instruments giving returns at par with inflation rates. This is also suitable for investments where the liquidity is the primary objective.

 

2. Short Term Debt Funds –

 

These debt funds include investments in bonds with average maturity level of less than 3 years. In terms of liquidity, they are not as liquid as money markets but still more liquid as compared to other debt funds.

Suitable for –

Investment objective of returns within 1 year to 2 years . Can be mixed with other debt instruments to provide stability to the investments against interest rate fluctuations.

 

3. Income Funds

 

These funds possess a higher risk and are more suitable for long term investments. These investments are in a combination of government bonds and money market instruments. These funds also have exit restrictions as premature withdrawals within 1 year can attract penalties.

Suitable for –

As the fund is affected by interest rate changes and does have exit penalties, it suits investors with medium to long term investment horizon.

 

4. Gilt Funds –

 

Gilt funds are amongst the riskiest debt funds to invest in as they are highly sensitive to interest rate changes. With higher risk there is always an opportunity for higher returns from the fund. The investments are totally focused towards long term government bonds.

Suitable for –

For investors who have an appetite to hold their investments in volatile markets and are looking for long term investments. These funds can give double digit returns even if there is an interest rate fluctuation.

 

5. Fixed Maturity Plans –

 

These are close ended debt mutual funds which have predefined investment tenure. Unlike other open ended funds, here, the investments are held till maturity and are focused on pools not sensitive to interest rate changes. These funds are treated as an alternative to fixed deposits in banks as the taxability in these funds are lower.

Suitable for –

For investors averse to risk, who do not want to involve in investments sensitive to interest rate fluctuation and aim for short to medium term investments.

 

Debt funds selection is a very critical exercise. A right selection is responsible for not only rendering stability to the investments but also for providing suitable returns.

 

 

Sachin

 

 

four simple ways to rebuild your finances

 

Perhaps the best way to realize a quandary and craft a solution is through getting your hands dirty. Similarly, Nitin B Vyakaranam, an engineer (Electrical and Electronic & Communication) lost substantial amount when a mutual friend sold him a ULIP policy post his return to India from U.S. He had no idea about finance products in India. The product turned out to be a fake one, and later Nitin realized that it was like 'an epidemic' in India where there was no advisor for a large section of the society. This experience was the main catalyst in Nitin's entrepreneurial journey as he originated ArthaYantra in 2007.

 

"I think the biggest target for an entrepreneur is to be ready for every surprise every day. So I don't recollect the day when I thought of doing something better in a better way. To me, that is the driving force that keeps me motivated to learn until the next level is reached. I believe, you should keep on learning because there will be things which will go erroneous. Not every decision of an entrepreneur is right, but how you react for those lamentable decisions and come back is very important," believes Nitin.

 

The Captain:

As the BFSI industry is all set to witness disruptive technologies in the coming years, under Nitin's leadership, his company has achieved an astonishing figure of more than 70,000 users spread across 600 cities in more than 30 countries. While his entrepreneurial journey started with a personal experience, this first generation entrepreneur lacked congruous guidance and mentorship in the way towards his first venture. Yet, as fortune only favours the brave, Nitin is illuminated by his closed ones to sail through the sinuous paths of entrepreneurship.

 

But along with his closed ones who restrained him, while he was on the tidal voyage, his family stood by him as a pillar and his wife supported him despite of spending most of the time in office.

 

Nitin integrates, "It's very difficult to be an entrepreneur's spouse and concurrently, the entrepreneur gets an abundance of strength from the spouse, who genuinely stands by almost all the time. Along with that, I think, we should never take the status for granted. You should always question asking why and why not? When we started, everyone around us daunted us but today, we've proved them wrong".

 

Nitin B Vyakaranam_ The Battler who keeps Challenging the Status Quo

four simple ways to rebuild your finances

 

Asset allocation is one of the seminal aspects of investment strategies that can be applied by investors. There are multiple factors that form the basis for creating asset allocation strategies for the investor. Historically, the knowhow and intelligence required in building asset allocation portfolios have always been limited to a few qualified professionals in the finance industry. Having limited bandwidth, these professionals can only support a select few investors. With the advent of robo advisers, this has changed. Now, high quality asset allocation and investment strategies are available for everyone. Would robo advisers fundamentally change the nature of financial advice being delivered today? The answer to that question is a resounding yes.

 

The body of research that has formed the basis of modern portfolio theory, has its origins in research that has been conducted in universities and in Wall Street over the past 100 years. From a technical perspective, both factor-based-allocation and asset-classdriven allocation are dependent on a series of well defined mathematical models that have been time tested in different markets over different periods of time both in bull and bear markets. Modern portfolio theory and its underpinning have always been formulaic in nature. When American economist and Nobel laureate Harry Markowitz proposed the efficient frontier in 1952, it started a move towards using advanced mathematics and computing to arrive at best investment strategies for investors.

 

The number of professionals who understand the intricacies of the subject is limited thereby creating an artificial supply-demand shortage. Just like in other industries, the Internet is now bringing this wealth of knowledge out of the closet and making it available for retail investors en masse. With robo advisory, the deep knowhow that now exists with a few can be codified, programmed and delivered to millions of investors in a customised, transparent, unbiased and effective manner. There would be no minimum amount of investment. Suddenly, a whole generation of new investors can make their investment strategies and decisions with more efficiency, increasing participation in the markets.

 

Sachin

The extent of human intervention in creating an asset allocation investment strategy, rebalancing and managing it, has changed over time. Technology has taken over as the key aid, conducting far more advanced experiments and analysis that are not humanly possible. However, there are some areas where human intervention would continue to be an important aspect in the whole process. It would be foolhardy to assume that the investment strategies and asset allocation can be deciphered by all investors. Advisers have an important role in explaining the advice to investors.

 

Here are some of the benefits that robo advisers can bring. Brings together the best of minds: The experience of mature global markets along with requisite exposure of asset allocation at scale is limited today. The understanding and capability to manage huge portfolios that include optimal asset allocation cannot be delivered to all due to limitations of time, space and resources. Robo advisory fills that gap by bringing together the best minds on a single platform to benefit everyone.

 

Brings together best market practices:

Best practices in asset allocation; amalgamation of markets’ intelligence and finance is spread across the world. With the help of technology, robo advisers can bring world-class practices together to benefit the common man.

 

Robo advisory can bring asset allocation to everyone

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Our name is inspired from the famous historical book Arthashastra, written by the great Indian philosopher Kautilya (also known as Chanakya, c. 350-275 BCE) over 2,000 years ago. In Sanskrit, Artha means wealth and Yantra means an Instrument. Literally translated, ArthaYantra means an Instrument that enables the creation of wealth and all round prosperity

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Quick Contact

ArthaYantra Corporation Pvt. Ltd.,
Corporate and Registered Office: 3rd Floor, Sai Galleria, Plot No. 472,
Road No. 36, Jubilee Hills, Hyderabad, India 500 033.
CIN: U74900TG2007PTC053246
Tel.: 040-6519-0000 | e-mail: care@arthayantra.com

Arthayantra Corporation Pvt. Ltd is SEBI registered investment Advisor (RIA No - INA200006716, Valid from 29/11/2016 to 28/11/2021), is also registered with AMFI as a mutual fund distributor having ARN54840