What Sigfyn does.
Watches your accounts. Builds your portfolio. Advises through every decision.
Every account. One view.
Pulled from each institution. Reconciled across the family. Updated nightly.
2.41 Cr
Self 2.83 Cr
Liab 42 L
Institutions
Self
HDFC · ICICI · Zerodha
Spouse
Axis · Kuvera
HUF
Kotak · MFCentral
Parents
SBI · ICICI
Where the money actually goes.
The real shape — not the budget you wrote in January.
Income
78 K/mo
Spend
56 K/mo
Invest
17 K/mo
Every fund, examined weekly.
Eight rules per holding — costs, overlap, lock-ins, tracking error.
Parag Parikh Flexi Cap
Core equity
OK
Doing the job
Mirae Asset Large Cap
Core equity
DRIFT
Closet index
Axis Small Cap
Satellite equity
OK
Live alpha
HDFC Hybrid Equity
Hybrid
OVERLAP
82% overlap
ICICI Pru Bond Fund
Debt
OK
Adequately liquid
SBI Tax Advantage
ELSS
LOCKED
Lock-in over
Your portfolio. Engineered to fit.
How we build your investment portfolio that fit your goals.
01
Universe
Direct mutual funds and listed equity across India. No product shelf, no kickbacks.
02
Screening
Quant filters on costs, alpha persistence, manager tenure and concentration.
03
Constraints
Liquidity, tax brackets, lock-ins and family-level exposure constraints applied.
04
Personalisation
Goal, time horizon, drawdown tolerance and current allocation drive the shape.
05
Customisation
Exclusions, ESG tilts, founder-stock concentration - set per family, applied always.
Goals, calibrated weekly.
Tied to your real cashflow. Recalculated when the math changes.
5.57 Cr
An emergency fund, sized to life.
Set against your real burn. Liquid enough for an 11 pm Sunday.
8.4 L
Covers 6 months
Redirect 2.8 L to a 3-yr debt sleeve.
The cover you need. Not the policies you don't.
Sized off household income, dependents, liabilities — never what a relative once sold you.
Term life
Buy a top-up term plan, not a ULIP.
1.6 Cr
shortfall
Health floater
Add a super top-up. Cheap, large coverage.
10 L
shortfall
Critical illness
Standalone CI rider sized to one parent's income.
50 L
shortfall
Endowment
Surrender at next anniversary. Bond will do better.
38 L
surrender
Built portfolios. Kept on plan.
Drift surfaces quarterly. Exact moves, tax-worked, you approve.
Q2 rebalance · 4 moves · net tax 2,800
Mirae Asset Large Cap
38 L
HDFC Hybrid Equity
14 L
PPFAS Flexi Cap
22 L
ICICI Pru Bond
12 L
Bharat Bond 2030
+ 3.0 L
SBI Tax Advantage
6 L
Cash
4 L
A human for the human calls.
Moving to Singapore. Selling a flat. The conversations that need an hour with someone — AI context already loaded.
Reviewed this quarter
“Moving to Singapore in Q3 - should we keep the Bangalore flat and rent it out, or sell and shift the capital into a global portfolio?”
House
Held the flat. 1.2 L/mo rent offsets EMI.
Capital
Equity restructured. TDS deferred to FY 26-27.
Advisor
Aparna R.
SEBI INA-2017
Tenure
14 yrs
Outcome
Closed · 4 days