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Android & iOS app — Coming Soon
Portfolio construction frameworks. Macro research. Benchmark discipline. Risk analytics. Factor exposure reports — HNIs get all of it.
Retail investors? You get product catalogs and commission-driven advice.
This isn't an accident.
It's a business model.
SharpMoney builds a compete mutual fund portfolio and brings institutional rigor to every investor ready to build seriously. Not when you hit ₹5 crore. Not when you "graduate" to HNI.
Because you don't need wealth to deserve wisdom. You need intent.
A complete Mutual Fund Portfolio framework. Passive core. Smart beta tilts. Active alpha. Thematic conviction. Every position has structural purpose.
We compare every portfolio to its benchmark. Publicly. If we underperform, you see it first.
Every mutual fund answers: "Why does this exist in YOUR portfolio?" Regular reviews ensure the answer holds.
On-demand XIRR. Risk metrics. Factor exposure. Concentration analysis. The reports HNIs pay ₹50L for.
We see your complete mutual fund portfolio, invested elsewhere too. Recommendations account for your full investment.
We start where it actually matters — your goals. Retirement corpus, children's education, home purchase, wealth transfer. We map timelines, size each target, and understand your true capacity and appetite for risk. This isn't a KYC form. It's the foundation of every decision that follows.
Markets don't stand still — your portfolio positioning shouldn't either. We continuously develop and refine macro views: rate cycles, earnings trajectory, sector rotation, global flows. These views shape where we tilt the portfolio and when. Not gut feel. Structured analysis with a written thesis.
No two frameworks look the same. Based on your goals, horizon, and risk profile, we design the structural architecture — how much in passive core, smart beta factor tilts, active alpha, and thematic bets. Every layer has a purpose and a size limit. This isn't a model portfolio. It's yours.
Before we advise a single rupee, we audit what you already hold. Every fund, EPF balance, PPF corpus, direct equity position, and even real estate — mapped and evaluated together. Red flags get flagged: overlap between funds, overconcentration, benchmark underperformance, and category drift.
With the target framework on one side and your actual investments on the other, the gaps become visible. Maybe your passive core is missing entirely. Maybe you're holding six funds doing the same thing. Maybe thematic funds are eating 30% of the portfolio when they should be 8%. We find it — precisely.
Every fund we select earns its place with a written rationale. Rolling returns vs benchmark. Risk-adjusted alpha. Factor exposure. Manager tenure and consistency. We answer "Why this fund in YOUR portfolio?" — not "What's the star rating?" If we can't answer why, we don't recommend it. Full stop.
Markets change. Life changes. Your portfolio needs to keep pace — but on a disciplined schedule, not a commission calendar. Quarterly reviews cover performance vs benchmark, portfolio drift, macro outlook shifts, and whether the original investment thesis still holds. We communicate. You decide.
Answer these questions honestly. If even one is a Yes — your portfolio has a problem worth fixing.
Book a free 30-minute portfolio review.
We meet online. I go through your portfolio — fund by fund — and you'll come out knowing exactly what's working, what isn't, and what to do about it. No pitch. No obligation.
Android & iOS — Coming Soon
What to expect:
No product spam. No NFO noise. No commission theater.
Just institutional-grade wealth management in your pocket.
Macro research, portfolio strategy, and market analysis. No fluff.
Credit growth acceleration, NIM expansion, and asset quality improvement signal a structural shift. Here's our macro thesis.
Portfolio Strategy →Stop asking "which is better?" Start asking "which serves what purpose in THIS portfolio?" Framework thinking over tribal camps.
Investment Philosophy →They're commission events disguised as launches. Why we need track record before we invest your capital.
Industry Analysis →We're building SharpMoney for retail investors who refuse to settle. If that's you, we'd love to hear from you.
Mumbai, India
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