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Intermediate

Portfolio Management & Asset Allocation for Indian Investors

The flagship course on running a whole portfolio instead of collecting individual stocks and funds. Built for salaried professionals, HNI investors, those nearing retirement and fresh graduates starting their first SIP, it replaces the accidental portfolio most Indian households hold with a written process. You will price your goals in rupees, separate risk capacity from risk appetite, compare the real long-run behaviour of Indian equity, debt, gold, REITs and cash, and choose an allocation framework you can actually stick to. From there you will build a core-satellite equity sleeve, rebalance with STCG, LTCG and costs in view, set drawdown rules in advance, and follow a complete worked portfolio for a 35-year-old salaried investor from first SIP to retirement glide path. It is the companion course to The Capital Gains model portfolios.

Portfolio ManagementAsset AllocationGoal-Based InvestingRisk ProfilingEquity, Debt, Gold and REITsCore-Satellite InvestingIndex vs Active FundsFactor InvestingRebalancingCapital Gains TaxBehavioural FinanceRetirement Glide Path

MODULES

7

DURATION

~7 hrs

TRACK

Stock Market Basics

What You'll Master

Diagnose an existing portfolio for fund overlap, orphan holdings and hidden concentration

Convert life goals into inflation-adjusted rupee targets with clear horizons

Distinguish risk capacity, risk tolerance and required return, and account for EPF, PPF, NPS and physical gold

Compare the long-run returns, volatility and drawdowns of Indian equity, debt, gold, REITs and cash

Choose between age-based, goal-based and risk parity allocation, and see how The Capital Gains model portfolios apply them

Build a core-satellite equity sleeve using index funds, active funds and NSE factor indices

Rebalance with calendar or threshold rules while keeping STCG, LTCG, exit loads and TER in check

Write a one-page Investment Policy Statement with monitoring cadence and pre-committed drawdown rules

Access Level

LEARNER

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Everything included

Full Text Playbooks

Actionable Exercises

Mobile Reading Mode

Lifetime Updates

Curriculum Breakdown

Chapter 1: Why Most Retail Portfolios Are Accidents

5 Lessons

The Accidental Portfolio: How Indian Households End Up With What They Own9 min read

Diagnosing Your Portfolio: Fund Overlap, Orphan Holdings and Hidden Concentration11 min read

The Behaviour Gap: Fund Returns vs Investor Returns10 min read

What a Portfolio Process Looks Like: The Five-Step Loop9 min read

Writing Your One-Page Investment Policy Statement11 min read

Chapter 2: Goals, Horizons and Risk Capacity, the Indian Household Version

5 Lessons

Turning Wishes Into Priced, Inflation-Adjusted Goals in Rupees11 min read

Horizon Buckets: Under 3, 3 to 7, and 7+ Years10 min read

Risk Capacity vs Risk Tolerance vs Required Return11 min read

The Full Household Balance Sheet: EPF, PPF, NPS, Home Loan and Physical Gold12 min read

Emergency Fund and Insurance Come Before Allocation9 min read

Chapter 3: Asset Classes in India, With Real Return Histories

6 Lessons

Indian Equity: Long-Run Nifty Returns, Volatility and Drawdowns12 min read

Debt: FDs, Debt Funds, G-Secs, EPF and PPF, and Real Returns After Inflation12 min read

Gold: SGBs, Gold ETFs and Gold as a Rupee Hedge10 min read

REITs, InvITs and Physical Real Estate10 min read

Cash, Liquid Funds and International Equity: LRS and FoF Limits10 min read

Correlation: Why the Mix Matters More Than the Pieces11 min read

Chapter 4: Allocation Frameworks and How Our Model Portfolios Apply Them

6 Lessons

Strategic vs Tactical Allocation10 min read

Age-Based Rules and Where 100 Minus Age Breaks10 min read

Goal-Based Allocation: One Bucket per Goal11 min read

Risk Parity in Plain Terms11 min read

Do Balanced Advantage and Multi-Asset Funds Do the Job for You?10 min read

Inside The Capital Gains Model Portfolios11 min read

Chapter 5: Building the Equity Sleeve

5 Lessons

Core-Satellite Design for Indian Investors10 min read

Index vs Active: The SPIVA India Evidence11 min read

Market-Cap Mix: Large, Mid and Small10 min read

Factor Tilts Using NSE Factor Indices11 min read

Direct Stocks, Position Limits and How Many Funds Is Too Many10 min read

Chapter 6: Rebalancing, Tax Drag and Costs

5 Lessons

Calendar vs Threshold-Band Rebalancing10 min read

What Rebalancing Costs in Tax: STCG, LTCG and the Rs 1.25 Lakh Exemption12 min read

Rebalancing Tax-Efficiently: New SIP Money and LTCG Harvesting11 min read

Costs That Compound: TER, Direct vs Regular Plans, Exit Loads and STT10 min read

Debt Taxation After April 2023 and Where to Hold Each Asset11 min read

Chapter 7: Monitoring, Drawdown Rules and a Full Worked Portfolio

6 Lessons

A Quarterly Monitoring Dashboard10 min read

Drawdown Rules You Commit to in Advance10 min read

Behavioural Traps at the Portfolio Level10 min read

Worked Portfolio, Part 1: Building It for a 35-Year-Old Salaried Investor14 min read

Worked Portfolio, Part 2: Ten Years of Rebalancing Through Stress14 min read

Glide Path to Retirement and SWP Design12 min read