Beyond SIPs: Why Retail Wealth Needs A Risk-First Approach
India’s retail investing story is no longer just about getting more people into mutual funds. As SIPs become a routine part of household financial planning, the bigger challenge is whether investors understand what they own, how much risk they are taking, and whether their investments remain aligned with their actual goals.
That is shifting the wealth management conversation from simply getting investors into products to helping them manage their entire financial position.
CashRich, a wealth-tech management platform that says it has over 3.5 lakh users, is taking that approach through what it calls a Family CFO model. The framework brings together a family's assets, liabilities, income, expenses, investments and long-term goals rather than looking at individual investment products in isolation.
The company is also pushing a different approach to SIP investing through its Dynamic SIP, which adjusts the allocation between equity and debt based on market valuations. The premise is...
Copyright of this story solely belongs to ciol.com. To see the full text click HERE