Catching the trend
Globally, money moves across asset classes driving the trend. By tracking this trend, AI generates your Gold, Stocks, Bonds & Global Indices
Managing Ups & Downs
We make sure your portfolio is well-balanced. As All Rounder automatically diversifies your portfolio,the risk is lowered.
Optimizing Returns
Your portfolio is automatically rebalanced-weekly, monthly or quarterly for optimized performance.
Watch this video to know more about All Rounder.

How It Works?

With so many investment options, deciding where to invest becomes a challenge. This is where All Rounder plays an important role.
Create your account
on 5nance
Choose your investment
Pay towards All Rounder
Get a top-performing
Get your portfolio

Why All Rounder?

Strong Research
backed by AI
Algorithm back-tested
for 15+ yrs.
Delivered over
30%* returns consistently

All Rounder Vs Human Expert

No Human

With 1000+ hrs. of research and 15+ yrs. backtesting, AI eliminates human bias. So our triggers and alerts aren’t based on market panic.

Diversification via
smart automation

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
Markets Change

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

All Rounder generates 2x returns when compared to mutual fund schemes. This is because it is actively managed. With the power of AI, it’s even diversified in different asset classes.
The biggest disadvantage that professional fund managers face with mutual funds are the stringent regulations. These guidelines limit flexibility and impact their ability to deliver an alpha. In contrast, All Rounder allocates money smartly across different asset classes as per market ups and downs.
Both mutual funds and All Rounder charge a similar fee. Mutual funds have a cost structure ranging from 1.5-2% that is attached to the AUM. With All Rounder, thankfully, there’s a flat charge.

Past Performance

Compare All Rounder’s performance to its nearest benchmark and that of mutual fund schemes over a 3-yr. period.

All Rounder
MF Schemes

In their actual words

icon quotes

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.

Neha Kukreja


icon quotes

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.

Parthiv Sawant


icon quotes

Investing with AI felt quick, easy and stress-free. I got superior returns with the best advisory.It made my whole experience worth it!!!

Parag Majumdar


Advisory Team

With over decades of experience in wealth management, our team is always there to assist you with managing your portfolio.

Dr.Chintan Vora
Dr. Chintan has 17 yrs. experience in managing the portfolios of HNI investors. He worked with ICICI Bank, HSBC, & ICICI Securities
With a postgraduate degree in Finance and Marketing & a Doctorate PhD in Management, he is a CFP & an alumnus of IIM-Calcutta.
View More
Rajendra Mangaonkar
Rajendra has over 25 yrs. of experience in Trading Systems Design & Development. Previously, he worked as a consultant for broking houses
like Aditya Birla and Angel Broking. Currently at 5nance, he’s responsible for delivering wealth management advisory. He is a Graduate in Computer Science from DY Patil, Mumbai.
View More
Saneil Shah
Saneil placed his first trade after his 10th standard exams. He started his career with KPMG. After this, he worked for a decade performing varied roles across domains like
Investment Research, Product and Portfolio Analytics. He completed his post-graduation in Business Analytics from Lappeenranta University of Technology. Successively, he completed a CFA program.
View More


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.

5nance is an wealth advisory platform and going forward we will be an Associated Partner with a global broker.

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.

To execute the advice provided it is essential to invest into stocks and ETFs which can be bought and held in a demat account.

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.

The research team works very closely with the technology team to build and maintain systems to optimise and improve investment portfolio performance.

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.

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.

There is no such requirement. Though for execution services a minimum investment of Rs. 200,000 is required which is also ideal.

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.

There is no lock-in period. We recommend to stay invested for 3 years to get optimal results.

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.

Over the investment period of 3 years you can expect 20% annual returns on the lower side.

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.

This product has no hidden fees.

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.

It is an absolute return product and the two main features of the product's core are:

  • 1. High caliber stocks to be invested into. Hence even in difficult phases for equities, these stocks are still protected.
  • 2. Accurate asset allocation in context to the systemic conditions to protect during tough phases while taking advantage of asset.
  • 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.

    Yes, it can be executed with any broker. Once we begin execution with our associated broker this leg will become even more seamless.

    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.

    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.

    No investment can have guarantees, not even government bonds. Though the portfolio is well diversified with multiple asset classes, the risk is prudently managed.

    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.

    Yes like said previously, the control and ownership lies with the investor.

    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.

    It will be rebalanced in the next advisory. Besides our individual securities are of very high calibre and less often are impacted by timing.

    Not applicable, as we are not a trading based advisory platform.

    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.

    Yes. These investments have no lock-in period, though advisory and execution to stay ahead will be stopped.

    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.

    The advisory fee is charged on an annual basis.

    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%.

    No an existing folio cannot be incorporated.

    Yes you can.

    Yes the update will be on a monthly basis.

    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.

    It is advised that atleast a lakh of rupees can be set aside for investment to have a meaningful portfolio.

    Each day when transactions take place, a contract note will be emailed after which transactions in the demat account will also be sent across.

    All trading and broking accounts have a section which mentions the Holdings. Besides consolidated Holdings statements are also provided by the depositories.

    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.

    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.

    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.

    View More

    No. of complaints as per SEBI guidelines

    Last updated on 1st November 2021
    At the beginning
    of the month
    Received during
    the month
    Resolved during
    the month
    Pending at the
    end of the month