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Introduction

Everyone has two basic expectations - Safety and Returns. Both are opposite goals, but we work hard to achieve both in a balanced way. We have an institutional policy which is mandated by the Board monitored by Investment Committee and delivered by the team. This is the framework in which we operate. This framework is tight as well as practical enough to allow room for judgmental exceptions which are not taken just by one individual but by the whole team. We have professional fund managers who are experts in the equity and fixed income markets to take care of your returns.

Equity investment

For equity investment we follow both - a top down and a bottom up approach. Looking top down and bottom up we define our investment universe which is a broad basket of stocks we can invest in. Actual stock selection is primarily driven by fundamental analysis.
Once we identify a good stock, we look at analytical and technical factors to see what is the right time to buy or to book profits. Based on technical factors we switch stocks and sectors to enter or reenter the market. We also constantly review our strategies and actively engage in script management. We strive for not only outperforming the benchmark indices but also to deliver superior risk-adjusted returns as compared to peer group over a medium to long term horizon.

Fixed income investment

In fixed income portfolio we are concerned primarily with the safety of investments and consistency of returns. We invest in companies with high credit quality and a track record of good corporate governance. This helps us to keep our long term investments safe and returns consistent. Once this is achieved, we try to improve the returns in our debt portfolio by suitably tuning the portfolio duration based on expected interest rate movements in the market. Over time, on a risk adjusted level, we try delivering superior returns compared to a bank deposit or a typical bond fund in the market. Our aim is not to be content with good returns but returns stay superior on our risk adjusted level.