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INVESTMENT FRAMEWORK

Empowering smarter

investment choices

Global Expertise, Local Impact

At Lumiq Wealth, our investment framework integrates decades of managing trillions of USD globally, directly influencing the portfolios of Indian investors. We leverage this extensive experience to craft strategies aligned with the unique needs of each investor.

Strategic Decades-Long Approach: Rooted in a strategic, long-term perspective, our investment philosophy recognizes that sustainable wealth creation demands discipline and patience. This principle is diligently applied to every investment decision, ensuring enduring value for our clients.

Three-Step Methodology
1

Risk Profiling Assessment

Lumiq Wealth commences the investment journey with a meticulous risk profiling assessment. This process ensures a deep understanding of each investor’s risk tolerance and financial goals, facilitating alignment with a bespoke model portfolio.

2

Market Temperature Gauge

Serving as a “temperature gauge” for the market, our platform dynamically assesses trends, aiding in the determination of optimal weights across different asset classes within the model portfolio. This ensures a responsive and adaptive investment strategy.

3

Quantification of Portfolio

Our investment framework quantifies portfolios from an investable universe of 5000+ Mutual Fund schemes. Each scheme undergoes a rigorous ranking process, utilizing our proprietary forward-looking return methodology. This internal ranking optimizes for risk-adjusted returns, ensuring a balanced and well-considered selection.

Model Portfolios

Each investor based on risk profiling outcome is categorized in one of 5 model portfolios

Ultra Aggressive

Strategically designed for high growth potential, catering to investors comfortable with substantial market volatility and seeking maximum returns.

Aggressive

Balancing growth with a managed risk approach, this portfolio suits investors with a high-risk tolerance, aiming for substantial returns.

Balanced

Offering a mix of equities and fixed-income instruments, the Balanced portfolio suits those seeking a moderate-risk approach with steady, long-term returns.

Conservative

Prioritizing capital preservation, this portfolio is designed for risk-averse investors, minimizing volatility with a focus on stability.

Ultra Conservative

Tailored for capital protection and income generation, this portfolio is for extremely risk-averse investors, emphasizing stability and regular income.

Vigilant Tracking and Adaptability

Experience the Lumiq difference — where your financial success is our priority.

Our investment framework seamlessly integrates technology, risk assessment, market intelligence, and quantitative analysis, offering a holistic approach to investments. Lumiq Wealth is dedicated to providing personalized, dynamic, and forward-looking investment solutions to help our clients achieve their financial objectives.

Still have question?
We’re here to help

Lumiq Wealth is a holistic wealth management platform combining advanced technology and expert financial guidance, offering personalized solutions to meet the unique needs of individual investors.

Lumiq's Risk Profiling assesses your ability and willingness to take risks, enabling a personalized investment strategy. The scoring system aligns your portfolio with your unique risk profile.

Lumiq Portfolio Optimizer allows investors to upload their existing portfolio details in any format, scheduling an appointment for a comprehensive analysis and review according to Lumiq's investment framework.

Lumiq's team comprises seasoned experts with backgrounds in top financial institutions and experience advising major asset management companies, bringing institutional frameworks to individual Indian investors.

You can initiate your journey with a minimum investment of Rs. 1,00,000 and subsequently top up your portfolio with as little as Rs. 10,000.

Lumiq Wealth's tools offer personalized insights, data-driven portfolio optimization, and the integration of institutional frameworks. Lumiq's machine intelligence is proprietary, carefully crafted to complement human expertise. This unique combination empowers investors with cutting-edge solutions for their financial success.

Lumiq Wealth Private Limited, an AMFI registered Corporate Mutual Fund distributor, generates revenue through distribution income received from Asset Management Companies (AMCs).

Lumiq Wealth recommends mutual funds for diversified portfolios, professional management, and historical performance. With a tailored approach based on managed funds, we enhance security. This minimizes risk and maximizes returns, making mutual funds a prudent choice for long-term wealth creation compared to direct equity.

We recommend reviewing your portfolio with us every quarter, discussing your life goals, and ensuring the portfolio aligns with the stated investment objectives.

Like everything in life, nothing is certain. Mutual funds, more so, involve uncertainty. At Lumiq Wealth, we are AMFI Regulated and we strive to add science to the madness, working with the right intention and execution strategy to ensure we are on the path to your financial success.

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