Less complexity. More compounding.
We manage money for a small number of families in India and overseas — fifty and counting. Every portfolio is built to grow for the long term and pay you along the way.
A partner replies personally, usually the same day.
Our approach
Most portfolios are built to do one thing. Either they grow, or they pay an income. Rarely both, and almost never on purpose.
For a family with real wealth, that is the wrong choice to have to make. The capital should keep compounding for the next generation while it funds this one. Every portfolio we build is designed around both.
THE GROWTH ENGINE
The compounding core of the portfolio, allocated to equity and held through full market cycles. Reviewed on a fixed schedule, not rearranged every time the market has an opinion. This is the part that decides what your family is worth in twenty years.
THE INCOME ENGINE
A separate stream that funds your life without touching the growth core. Laddered, tax-aware, and sized so that a bad year in the market never forces you to sell the assets you most want to keep.
The arithmetic
Every family asks how large the number can get. The honest answer is that a multiple is simply a rate of return meeting a length of time — and time does far more of the work than most people expect.
So the most valuable thing we do is not picking the rate. It is helping a family stay invested long enough for the right-hand column to reach them.
This table is arithmetic, not a forecast. It is not a projection, indication or assurance of returns. Actual results depend on markets and will be different. Mutual fund investments are subject to market risks.
| Return each year | After 10 years | After 20 years |
|---|---|---|
| 12% | 3.1× | 9.6× |
| 15% | 4.0× | 16.4× |
| 18% | 5.2× | 27.4× |
| 22% | 7.3× | 53.4× |
| 26% | 10.1× | 101.7× |
Notice what happens between the two columns. Doubling the years does not double the result. It squares it. That one fact is the whole case for patience.
The first rule of compounding:CHARLIE MUNGER
never interrupt it unnecessarily.
Real wealth creates problems that a good portfolio alone does not solve. We handle all of them as one relationship, instead of six separate ones.
An allocation built around your time horizon, your commitments, and what you would actually do in a falling market.
Money that arrives when you need it, sized so the growth core is never forced to sell at the wrong time.
Making sure what you built reaches the people you intend, in the way you intend, without years of dispute.
Decisions taken with the after-tax number in view, because that is the only number your family actually receives.
For families whose money and home are in different countries. Handled without you having to be in our time zone.
A single picture of everything the family owns, instead of a dozen statements that never add up to the same number.
Skin in the game
The partners invest their own capital in the same markets, through the same cycles, taking the same falls on the same days. It is the reason you will hear us say no to products that other firms would happily sell you.
You get the view we actually hold, not the one that is easiest to sell.
We keep the number of families small on purpose. These are the ones we are built for.
Most of your wealth sits in one asset you cannot diversify. Everything outside the business has to be built around that, and most advisers never even ask about it.
A large sum arriving at once is a completely different problem from wealth built up slowly. The first year decides a great deal, and it is usually handled badly.
Money in India, life elsewhere. Tax, regulation and repatriation handled properly, with reviews scheduled around your day rather than ours.
Our favourite holding period is forever.
WARREN BUFFETTTime is your friend; impulse is your enemy.
JOHN BOGLEMoney is made by sitting, not trading.
JESSE LIVERMOREFour stages, and you always know which one you are in.
What you own, what you owe, what the money is for, and what you would do if it fell by a third. That last answer matters more than the first three.
A full read of what you already hold. Overlaps, dead weight, tax exposure, succession gaps, and the risks nobody mentioned when it was sold to you.
Both engines together, growth and income, with a written reason for every line and a transition plan that respects tax and exit loads.
Reviews on a fixed calendar, reporting that includes the bad quarters, and a phone that gets answered on the days the market falls.
Seven Islands Academy
Small closed groups for our families — often the next generation, who will one day inherit the portfolio and ought to understand it first. Taught by the partners.
FOR FAMILIES
For family members who want to understand the portfolio they hold, not just receive statements about it.
FOR THE MARKET-MINDED
A conceptual session for those already active in the markets who suspect, correctly, that they are carrying risk they have never measured.
Ten years each in the markets, and between them every part of the work — the planning and the risk. You deal with the principals at every meeting.
CO-FOUNDER · 10+ YEARS
Certified Financial Planner. Leads wealth management and client relationships — portfolio construction, income structuring and the long-term plan behind each family's capital. Previously at J.P. Morgan, and in equity research at a portfolio management firm.
WhatsApp Aditya
CO-FOUNDER · 10+ YEARS
Leads derivatives strategy and risk management for the firm's own capital — position sizing, hedging and the discipline that keeps the book within its limits. It is the work that sits behind our view of risk across every portfolio we build.
WhatsApp PrathameshThe first conversation costs nothing and commits you to nothing. Bring a recent statement and we will tell you what we would change and why, whether or not you engage us.
The quickest way to reach us. You will hear back from one of the two partners.
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