How It Works?
All Rounder Vs Human Expert
With 1000+ hrs. of research and 15+ yrs. backtesting, AI eliminates human bias. So our triggers and alerts aren’t based on market panic.
AI tracks different asset classes over every market cycle. It then recommends the best mix of assets considering the current domestic and global market trends.
AI Evolves as
Our AI-driven investment proactively adapts as and when the markets change. This boosts your returns while safeguarding invested capital.
By allocating smartly across different asset classes, the AI algorithm secures the capital and has delivered over 30%* CAGR returns.
Comparison with Mutual Funds
Compare All Rounder’s performance to its nearest benchmark and that of mutual fund schemes over a 3-yr. period.
In their actual words
I was totally bowled over by All Rounder’s performance. My investment delivered 19%* CAGR over a 6-month period. The great part was the on-the-go AI recommendations. I felt relaxed after knowing that decisions were being made by the algorithm. So my investment was in safe hands.
My investment amount never fell even when others were losing money in the markets. I received timely advisory. When I couldn’t understand my portfolio’s performance, I contacted the advisors who were extremely helpful.
Investing with AI felt quick, easy and stress-free. I got superior returns with the best advisory.It made my whole experience worth it!!!
With over decades of experience in wealth management, our team is always there to assist you with managing your portfolio.
Can't find what you're looking for? Here are some of our most frequently asked questions that can help you out!
Who should invest?
All Rounder is designed to any investors as profiling determines the suitability in accordance to the investors' risk taking ability. It is an all-weather portfolio which is designed to reduce volatility thereby achieving stable returns on an annual basis. This is the timeframe which FD investors usually invest for. At the same time stocks in the portfolio take care of the growth required to effectively tackle inflation.
Is 5nance.com a stock broker?
5nance is an wealth advisory platform and going forward we will be an Associated Partner with a global broker.
What does 5nance team exactly help me with?
5nance helps with curated advisory which is driven by an AI based system which is continuously evolving with practical intelligence. The intention of this advice is to maxmise investment returns to achieve about 30% per annum with minimal non-leveraged risk.
Do I need to have a demat and trading account to subscribe to the services offered by 5nance?
To execute the advice provided it is essential to invest into stocks and ETFs which can be bought and held in a demat account.
Why does 5nance charge an advisory fee?
The advisory fee is charged so that the built systems and technology can be made more robust and future proof so that 5nance can continue to provide optimised services to achieve high performance.
Who manages advisory?
The research team works very closely with the technology team to build and maintain systems to optimise and improve investment portfolio performance.
What is the investment philosophy of 5nance?
The investment philosophy is an ever-evolving philosophy focussed on future growth. Being a technology company ourselves, our ethos is also driven by investing into the future be it for investor portfolios or even when it is for our team and processes.
What parameters are used to create the model?
The model begins with early warning signals which takes in consideration a whole host of global and India specific macro-economic parameters. When securities are chosen, parameters like sustainability, management quality, unit economic analysis and many others are quantified to bring to the fore high caliber securities. These are again analysed with the price action theory. The above parameters are also under continuous incremental transition and evolution.
What is minimum and maximum Investment amount?
There is no such requirement. Though for execution services a minimum investment of Rs. 200,000 is required which is also ideal.
It is a fee based investment?
There is a flat fee of Rs.2999 per annum to introduce it to a large investor base. Going forward 2% per annum will be charged on the investment amount.
Tenure of the structure?
There is no lock-in period. We recommend to stay invested for 3 years to get optimal results.
What happens in case of underperformance?
There could be periods when All Rounder underperforms important indexes. That is when we track, take stock and course correct. In recent years there has been an underperformance of a maximum of 3 consecutive months.
How much minimum returns I can expect from this product?
Over the investment period of 3 years you can expect 20% annual returns on the lower side.
What happens when markets are negative?
The product is designed to protect during market downturns. This is achieved by investment in high calibre securities and prompt shifts in asset allocation to have a sophisticated hedged portfolio.
Is there any extra/ hidden cost in this?
This product has no hidden fees.
Tax implication of this product?
Usually the holding period is more than a year. Therefore a 10% long term capital gains tax is applicable. Only in a few cases short term capital gains tax of 15% will have to be paid.
Key features of this product?
It is an absolute return product and the two main features of the product's core are:
Where you will invest?
There are stocks and ETFs that can be bought and held in the demat account. For risk-off investments ETFs can be held while stocks can cover the growth requirements.
Can I carry out transactions, other than the ones recommended by 5nance, on the Upstox/Zerodha Platform?
Yes, it can be executed with any broker. Once we begin execution with our associated broker this leg will become even more seamless.
Will a robot manage my investments/advisory? Or there is a human interference.
The research carried out to provide advisory is automated to a large extent and so is the entire process that follows. Though every now and then, a human touch is required to only improve the experience and performance.
Why you should invest?
Markets will stay volatile and investors have a rationale requirement of safeguarding the money and flexibility when the markets are low and gaining higher returns when the markets are high. Our algorithm does this accurately to ensure that you gain positive returns irrespective of the market conditions.
Do you guarantee a return on my investment?
No investment can have guarantees, not even government bonds. Though the portfolio is well diversified with multiple asset classes, the risk is prudently managed.
Can I choose not to act on a notification if I have a different view on the stock?
Always it is the investor's discretion whether they want to act or not. We provide our advisory basis the entire portfolio, hence many a times a particular stock or ETF might not look lucrative on its own but is very relevant in context of the entire portfolio.
Can I make changes to my portfolio if I have a different view on a stock?
Yes like said previously, the control and ownership lies with the investor.
What happens if I miss the mail or the notification?
We provide multiple reminders and because it is not trades but investments, price fluctuations in a few days can have little impact on a portfolio investment horizon of 3 years.
What happens if I still am not able to execute the transaction?
It will be rebalanced in the next advisory. Besides our individual securities are of very high calibre and less often are impacted by timing.
Will the funds be re-deployed post triggering of Stop-Loss or Position Sizing?
Not applicable, as we are not a trading based advisory platform.
It will deliver negative return?
On a yearly basis it has never delivered negative returns, not even in tough years. It is designed to optimally allocate to assets considering the overall portfolio situation. Though there can be times that all assets classes are in a downward spiral and the product does not deliver for a year.
Can I exit before 3 years?
Yes. These investments have no lock-in period, though advisory and execution to stay ahead will be stopped.
Will I be getting daily trading calls?
All Rounder is an offering with an investment mindset to enable growth generation with little risk. Therefore it is not a run of the mill trading advisory with targets and stop loss. Rather it is a portfolio management which has intentions to build wealth. It takes care of the growth required for financial independence.
Is there a schedule to pay the monthly subscription fees?
The advisory fee is charged on an annual basis.
How it works?
We have sophisticated systems and processes to build an all-weather portfolio. These portfolio suggestions need to be followed and approved to achieve the best results. The portfolio holdings include risk-off assets and stocks to achieve the growth factor. The objective is to achieve annual returns of more than 25%.
Can I transfer my existing folio in this structure?
No an existing folio cannot be incorporated.
Can I continue the structure after 3 years?
Yes you can.
Will I get regular update of my investment?
Yes the update will be on a monthly basis.
AR Investment v/s PMS
All Rounder is more DIY and also the investments are held in the investor's own demat account rather than a pool account. In PMS the advantage is that after the funds are transferred the investor can just sit back but the that also means that an investor has very little control.
How much do I need to invest?
It is advised that atleast a lakh of rupees can be set aside for investment to have a meaningful portfolio.
How do I access the transaction details?
Each day when transactions take place, a contract note will be emailed after which transactions in the demat account will also be sent across.
How can I view my Holdings?
All trading and broking accounts have a section which mentions the Holdings. Besides consolidated Holdings statements are also provided by the depositories.
How often will my portfolio be reviewed?
The portfolio is reviewed on a weekly basis but it not necessarily mean that action needs to be taken that often. Our experience has been that action on individual securrities need to be taken twice a month.
How can I sell my portfolio in case I need the money ?
As the control, ownership and access lies with the investor. One only needs to see their holdings and put sell orders to get access to funds in 2 days.
How will the Risk Management System be executed / implemented on my portfolio?
The RMS is ingrained by a well diversified portfolio with high calibre securities. Also the agility of systems enables prompt shifts in asset allocation. Both of the above are administered by a 3-layer analytical system with a strong tracking mechanism.
No. of complaints as per SEBI guidelines
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