Accelerated Growth for Forward-Thinking Investors

SmartWealth.ai offers a range of investment strategies tailored to support investors at every stage of their financial journey, from early-stage investing to achieving financial independence.

We recognize four key phases in an investor's journey—Aspire, Sprint, Endurance, and Triumph —and have designed our products to meet the unique needs of each stage.

Our high-level product offerings include:

We provide four types of investment strategies based on our proprietary Diversified Momentum Investing framework, each designed to enhance returns while managing risk:

Stock-Based Strategies

Focus on highly liquid stocks with strong momentum and low volatility. During weak market conditions, capital is diversified into debt, and gold is used as a hedge during regime shifts and market crashes. We offer two stock-based model portfolios:

1. Aspire Diversified Stocks Portfolio – A concentrated stock portfolio suitable for SIPs up to ₹10 Lacs. View Aspire DSP details
2. Sprint Diversified Stocks Portfolio – A broader stock portfolio suitable for SIPs up to ₹25 Lacs. View Sprint DSP details
3. Sprint Thematic Stocks Portfolio – A broad stock portfolio from 3 High Growth Themes & Sectors suitable for SIPs up to ₹25 Lacs. View Sprint TSP details

Asset Classes-Based Strategy

Dynamically allocates capital across equity, debt, and gold using ETFs to manage risk and optimize returns:

• Aspire Diversified Assets Portfolio – A dynamic equity, gold, and debt ETF hybrid suitable for SIPs up to ₹10 Lacs. View Aspire DAP details

Factor-Based Strategy

Dynamically allocates capital across Alpha and Low Volatility factors using ETFs to enhance portfolio stability and growth:

• Aspire Diversified Factors Portfolio – A dynamic Alpha & Low-Volatility ETF hybrid suitable for SIPs up to ₹10 Lacs. View Aspire DFP details

Strategy combinations

Integrates elements of stock, asset, and factor-based strategies to enhance risk-adjusted returns. We offer:

1. Endurance Paired-Strategy Portfolio – An advanced momentum stocks & assets portfolio for investments up to ₹50 Lacs. View Endurance PSP details
2. Triumph Multi-Strategy Portfolio – A comprehensive portfolio combining momentum stocks, assets, and factors, suitable for investments up to ₹75 Lacs. View Triumph MSP details

Each strategy is designed to cater to different investment needs and capital sizes, ensuring a tailored approach to wealth growth and risk management.

Refer to each Smallcase for detailed information on its specific strategy and composition.

Momentum investing is an investment strategy that aims to capitalize on existing market trends by buying securities that have shown a strong upward price movement and selling those that are experiencing a decline. The underlying belief is that stocks or assets that have performed well in the past will continue to do well in the future, and vice versa for poorly performing assets.

Key Principles of Diversified Momentum Investing:

• Buy High, Sell Higher – Invest in stocks that are trending upwards, with the expectation that the momentum will persist.
• Avoid Waiting to Buy Low – The strategy focuses on capitalizing on existing trends rather than attempting to time market bottoms.
• Do Not Hold Indefinitely – Positions are actively managed and adjusted based on momentum shifts.
• Accept That Not Every Trade Will Be Profitable – Risk management and diversification help mitigate potential losses.
• Trend Following – Identify stocks, sectors, or markets exhibiting strong directional movement.
• Timing Matters – Investments are made based on price gains over a specific period, with exit strategies in place when momentum fades.

The Role of Diversification in Momentum Investing:

Beyond the fundamental principles of momentum investing, diversification is a key component of SmartWealth.ai's investment approach. Depending on the strategy, diversification may be applied across multiple dimensions, including:

• Industry Sectors – Spreading investments across various industries to reduce sector-specific risk.
• Market Capitalization – Balancing exposure to large-cap, mid-cap, and small-cap stocks.
• Asset Classes – Combining equities with debt instruments for risk-adjusted returns.
• Hedging with Gold – Using gold as a hedge against market volatility and economic downturns.
• Strategy Diversification – Combining multiple strategies (e.g., stocks and assets in Endurance Paired-Strategy Portfolio or stocks, assets and factors in Triumph Multi-Strategy Portfolio).

For detailed insights into specific strategies and portfolio compositions, refer to each Smallcase before subscribing.

You can assess the available options based on the following key parameters:

• Investment Strategy – Choose a strategy aligned with your preferences, whether equity-based, asset class rotation, factor-driven investing or a combination of these.
• Risk Tolerance – Consider your ability to manage risk; diversified momentum strategies aim to enhance long-term returns while mitigating volatility.
• Capital Allocation – Choose a portfolio that matches your available investment capital. Ideally you should choose a smallcase that is designed to manage capital larger than your investment corpus planned to be invested within next one year.
• Rebalancing Frequency – Determine whether the rebalancing schedule suits your level of portfolio engagement.

Refer to the table below for comparison:

SmartWealth.ai employs a dynamic approach to risk management and hedging, leveraging a structured framework to optimize portfolio performance. The key principles include:

• Risk Control – Stocks that exhibit declining momentum or increased volatility are systematically sold to minimize potential losses.
• Efficient Capital Utilization – When market opportunities are limited, available capital is allocated to interest-linked ETFs to ensure optimal capital deployment.
• Gold Hedging – Gold ETFs are incorporated as a hedge to enhance portfolio stability during periods of market uncertainty.
• Strategic Allocation – Investment decisions are guided by the Markowitz Efficient Frontier, a Nobel Prize-winning framework that optimally combines multiple strategies to maximize risk-adjusted returns.

Whereas, Thematic Stocks Portfolio remains fully invested in equities, without debt diversification or gold hedging. It manages risk through diversification across three uncorrelated investment themes.

For specific details on risk management and hedging strategies within each Smallcase, please refer to the respective portfolio compositions.

Once you’ve subscribed to your chosen portfolio, here’s a quick guide on what to do next to get started smoothly. We’ve illustrated the steps using Zerodha, but the same process broadly applies to other brokers as well.

1. Add Funds to Your Zerodha Account

Before investing, ensure your Zerodha trading account is funded. You can easily transfer money from your linked bank account to Zerodha using UPI, net banking, or NEFT/RTGS.

2. Invest During Market Hours

You should have received an email from smallcase with an “Invest Now” button.

Click it and follow the subsequent steps during market hours (Monday–Friday, 9:15 AM to 3:30 PM) to complete your first investment in your model portfolio on your laptop.

3. Enable DDPI for Easy Rebalancing (Optional)

Demat Debit and Pledge Instruction (DDPI) authorizes your broker to debit securities from your demat account and deliver them to the exchange on your behalf. Once DDPI is enabled, you can sell shares without entering the CDSL TPIN and OTP each time. This reduces the time required for rebalancing. You may evaluate and enable it, if needed.

Enable it here: Activate DDPI on Zerodha. You can do similar blanket repository authentication with other brokers as well. Check with your broker for the steps.

4. Download the Smallcase App

Your SmartWealth.ai portfolio is hosted on Smallcase, which provides a simple, secure interface for investing and tracking performance.

Download the Smallcase app on your phone and log in with your Zerodha credentials.

5. Enable WhatsApp Notifications (Optional)

We recommend turning on WhatsApp notifications in the smallcase app to stay updated on rebalances and important portfolio updates.

This ensures you never miss a prompt to review or act on any portfolio changes.

6. Rebalance Your Portfolio

Whenever a rebalance is due, you’ll receive a notification. To ensure smooth execution, we suggest completing the rebalance between 10:00 AM and 2:00 PM. This is to avoid first and last half hours which can be volatile.

Rebalances are published on Thursdays, with the optimal time for execution being between 10:00 AM and 2:00 PM.

Based on our experience, it is not advisable to invest more than 1% of your total net worth in a single day. This approach ensures that no single day's market fluctuations have a disproportionate impact on your wealth creation journey.

If you have a lump sum amount to invest, consider staggering your investment over a few weeks to a few months, depending on the size of your capital. This strategy helps manage market volatility and optimizes long-term returns.

See the FAQ on SIP deployment timing.

Investing through a Systematic Investment Plan (SIP) is a strategic way to manage market fluctuations effectively. It helps mitigate the risks associated with market timing while ensuring disciplined investing.

Key Considerations for SIP:

• Optimal Timing: Major allocation decisions are made in the last week of the month, making the first week an ideal time to schedule your monthly SIP.
• Frequency: A monthly SIP is often optimal, as weekly investments can significantly increase transaction costs, while quarterly investments may not provide effective cost averaging.
• Best Day to Invest: The Thursday following rebalancing is recommended for adding capital. This ensures that you always invest in the most up-to-date version of the model portfolio, reducing unnecessary rebalancing and transaction costs.

This approach, known as rupee-cost averaging, helps smooth out market volatility and reduces exposure to short-term price fluctuations.

See the FAQ on lump-sum investment.

Our investment strategies are designed to accommodate different capital sizes based on investors' needs throughout their financial journey and considerations of portfolio execution efficiency. These limits are based on factors such as liquidity of the underlying stocks, position sizing rules, and the portfolio’s ability to scale without adversely impacting returns.

To maintain efficiency, we recommend the following capital allocations for each smallcase:

• Aspire – Maximum total investment of ₹10 Lakhs
• Sprint – Maximum total investment of ₹25 Lakhs
• Endurance – Maximum total investment of ₹50 Lakhs
• Triumph – Maximum total investment of ₹75 Lakhs

If you invest more than the recommended limit, execution quality may deteriorate. This can lead to greater chances and extent of price slippages during rebalances, and increased difficulty in strategy execution. Staying within the recommended limit helps achieving a fair, consistent experience for all investors.

If you’re looking to scale up your investment with SmartWealth.ai, there are two effective ways to do it, depending on your goals and current portfolio.

1) Enhance Diversification Add a complementary, low-correlation portfolio to broaden your strategy mix and reduce concentration risk. Choose this if you want broader exposure and smoother risk distribution.

2) Manage Larger Capital Add a portfolio designed to handle higher capital with more advanced positioning and risk management. Choose this if you’re increasing capital and want a structure built for larger allocations.

Based on your current portfolio, here are the recommended options for enhancing diversification or managing larger capital. Many investors do both over time: diversify first, then scale into higher-capacity strategies.

Please consult your SEBI Registered Financial Advisor, if needed.

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