⚫ Wealth Management
Does this sound familiar?
You're doing well.
But is your wealth
smartly working for your family's future?
For India's ambitious professionals and HNIs juggling peak careers, growing families and goals that can't be left to chance — we bring the same research that powers institutional portfolios to yours.
• SEBI-registered RIA · INA000019619 — Trusted by 100+ customers
Professionally successful
Earning well, leading teams, navigating demanding careers.
Ambitious family goals
International education, a bigger home, early retirement.
Time constrained
Demanding careers leave little time for deep financial management.
Accumulating wealth
Yet unsure if it's optimised for growth and security.
"We are doing well — but is our wealth smartly working for our family's future?"
- SEBI-aligned advisory
- 1800+ clients · 18 countries
- Backed by deep-tech research
- Fiduciary, fee-only options
- Audited performance
SEBI governed
Registered RIA · INA000019619
100+ clients globally
Across 18 countries
NRI clients across
USA, UK, GCC & APAC
21% alpha
Target outperformance 2026
Low risk
Beta < 0.95
₹250 Cr+
Assets Under Advisory
Research backed
Institutional-grade coverage
Who we serve
Built for the way you actually build wealth.
The same analytical rigour that powers allocation decisions at global institutions sits behind every recommendation we make.
HNIs & family offices
Discretionary advisory and portfolio management rooted in primary research.
Ambitious professionals
Goal-based planning, SIPs and portfolio reviews for retirement, education, lifestyle.
Founders & promoters
Concentrated-position management, liquidity events and diversification roadmaps.
NRIs & global Indians
Cross-border allocation across India and US equities, MFs, ETFs and structured products.
Services
New Age Wealth Management for Modern Investors
Tick what your current advisor covers. See what a true wealth advisory should include.
- Portfolio gap analysis
- Asset allocation review
- Tax planning opportunities
- Risk & concentration assessment
- Global diversification suggestions
Services are provided subject to suitability assessment and your risk profile. Alternatives and structured products are available to eligible investors only.
Why CrispIdea Wealth
Broader than a distributor. Cheaper than a PMS. Answerable to you.
A mutual fund distributor sells you funds. A PMS takes the decisions out of your hands and charges for the privilege. As a SEBI-registered RIA, we do neither.
01
The whole picture, not a product
Financial planning, goal mapping, cash flow, protection and taxes. A distributor is paid when you buy a fund, so that is where their advice stops.
02
Access beyond mutual funds
Indian and overseas equities, ETFs, SGBs, asset allocation, AIFs, assembled around your goals rather than a single product shelf.
03
Goal-based planning
Plans built around retirement, education, lifestyle — not benchmarks.
04
Institutional access
Indian + US equities, MFs, ETFs, SGBs, debt, structured products, SIFs.
05 · The proof
Fiduciary, transparent, accountable.
Skin-in-the-game pricing, audited performance and direct advisor access. Built to outperform — not to upsell.
21%+
Alpha target 2026
$10 Tn
Coverage market cap
Why CrispIdea Wealth
Broader than a distributor. Cheaper than a PMS. Answerable to you.
A mutual fund distributor sells you funds. A PMS takes the decisions out of your hands and charges for the privilege. As a SEBI-registered RIA, we do neither.
01
The whole picture, not a product
Financial planning, goal mapping, cash flow, protection and taxes. A distributor is paid when you buy a fund, so that is where their advice stops.
02
Access beyond mutual funds
Indian and overseas equities, ETFs, SGBs, asset allocation, AIFs, assembled around your goals rather than a single product shelf.
03
You keep control, and the upside
A PMS manager decides for you and shares in your profits. With an RIA, assets stay in your accounts, every decision is yours, and you pay one stated fee.
| Comparison | CrispIdea RIA | Mutual Fund Distributor | PMS |
|---|---|---|---|
| Scope of advice |
Full financial plan: goals, cash flow, protection, liabilities, education
|
Fund selection, typically product-led | Portfolio management only, within a mandate |
| Asset classes |
Indian and overseas equities, MFs, ETFs, SGBs, debt, AIFs, structured products
|
Mutual funds | Listed equities and debt, within strategy limits |
| Who decides |
You do. We recommend, you approve, assets stay in your accounts
|
You do, on what is offered to you | The fund manager, under discretionary authority |
| What you pay |
1% of assets under advisory. No commissions, no profit share
|
No visible fee. Commission is built into regular plans | Management fee plus ~2-3% performance, often plus a profit share |
| Who else pays them |
Nobody
|
Asset management companies, through trail commission | Nobody, but incentives sit with performance fees |
| Typical minimum |
Accessible from your first SIP
|
None | ₹50 lakh, as mandated by SEBI |
Pricing
Our transparent pricing plan.
Higher returns through diversified asset-class investments.
✦ 12 months subscription · 1 month free
Free Plan
Mutual Fund Only
0% fees
Ideal for low-risk investors just getting started.
- Active advisory across debt, large-/mid-/small-cap and sectoral funds
- Active tracking of MF performance — returns and risk (e.g. Sharpe ratio)
- Invest only in high-rated funds that preserve capital
- Ease of transaction through the app
- Lump-sum or SIP in regular funds
Gold Plan
- Most popular
AUA-based fee
1.25% of AUA · annual upfront, quarterly true-up
Ideal for investors wanting to maximize risk-adjusted returns.
- India + US stocks, MFs, ETFs, SGBs, debt, structured products, SIFs
- Detailed goal-based financial planning via app
- Free advisory on PF, loans, insurance, emergency fund
- Monthly review of market and portfolio health
- Low-cost direct products — saves ~1% commission annually
- 70% lower cost than typical PMS
Profit-Share Plan
Skin in the game
12% of net gains*
Ideal for high-risk investors investing upwards of ₹1 Cr.
- AI-driven active-alpha strategy across global equities
- Leveraged returns via F&O, MTF and pair trading
- Personalised dashboard and real-time alerts
- High water-mark model
* Realized and unrealized profits trued-up quarterly and offset against a one-time onboarding fee of ₹25,000.
How it works
Three phases. Nine steps. One advisor.
A research-driven process designed for compounding outcomes — not transactions.
Phase 1
Discovery
01 Goal mapping
Retirement, education, lifestyle, liquidity events.
02 Risk profile
Quantified risk capacity and behaviour.
03 Current snapshot
Existing assets, liabilities, cash flow.
Phase 2
Planning & onboarding
04 Asset allocation
Across geographies, asset classes, lifecycles.
05 Portfolio build
Direct funds, equities, ETFs, debt, structured.
06 Onboarding
Paperwork, app setup, advisor introduction.
Phase 3
Execution & review
07 Active execution
SIPs, lump-sum, rebalancing, tax efficiency.
08 Monthly review
Market and portfolio health, risk parameters.
09 Annual reset
Goal review, allocation refresh, new opportunities.
Services
A complete wealth desk
in one relationship.
Goal-based planning
Retirement, education, lifestyle, philanthropy.
Portfolio management
Across India + US equities, MFs, ETFs, SGBs, debt.
Asset allocation
Disciplined, diversified, risk-calibrated mixes.
Structured products
F&O, MTF, pair trading and SIFs for qualified investors.
Advisory on PF, loans, insurance
Free advisory on emergency fund and protection.
AI-driven active alpha
Quant-supported strategies across global equities.
Investor letters
From Malay Shah,
Principal Advisor.
Quarterly notes on markets, portfolios and the discipline that compounds wealth.
Q1 2026
Why discipline beats prediction
On positioning portfolios for an unpredictable rate cycle.
Q4 2025
The case for direct over regular
How 1% in commission compounds against your retirement.
Q3 2025
India + US: the barbell that works
Building a portfolio that earns in two currencies.
Meet your advisor team
One team. Direct access. No middle layers.
Malay Shah
Principal Advisor
20+ years in equities, advisory and family-office strategy.
Kedhar Krisshnan
Senior Wealth Advisor
Cross-border portfolios, structured products, derivatives.
Chetan Parikh
Investment Strategist
Allocation frameworks, macro positioning, risk overlays.
Why CrispIdea Wealth
The research engine
wealth decisions deserve.
Five reasons HNIs and professionals choose us over the brokerage default.
Pricing
Our transparent pricing plan.
Higher returns through diversified asset-class investments.
✦ 12 months subscription · 1 month free
Free Plan
Mutual Fund Only
0% fees
Ideal for low-risk investors just getting started.
- Active advisory across debt, large-/mid-/small-cap and sectoral funds
- Active tracking of MF performance — returns and risk (e.g. Sharpe ratio)
- Invest only in high-rated funds that preserve capital
- Ease of transaction through the app
- Lump-sum or SIP in regular funds
Gold Plan
AUA-based fee
1% of AUA · annual upfront, quarterly true-up
Ideal for investors wanting to maximize risk-adjusted returns.
- India + US stocks, MFs, ETFs, SGBs, debt, structured products, SIFs
- Detailed goal-based financial planning via app
- Free advisory on PF, loans, insurance, emergency fund
- Monthly review of market and portfolio health
- Low-cost direct products — saves ~1% commission annually
- 70% lower cost than typical PMS
Profit-Share Plan
Skin in the game
8% of net gains*
Ideal for high-risk investors investing upwards of ₹1 Cr.
- AI-driven active-alpha strategy across global equities
- Leveraged returns via F&O, MTF and pair trading
- Personalised dashboard and real-time alerts
- High water-mark model
Questions
Answers, with the same rigor as our reports.
What Services do you provide as part of wealth management?
CrispIdea is a SEBI registered investment adviser. We offer a holistic suite of
wealth management services including:
● Investment Management: Portfolio management across mutual funds, stocks,
bonds, gold, AIFs.
● Financial Planning: Comprehensive planning covering budgeting, cash flow,
insurance, taxation, and estate planning.
● Asset Allocation: Dynamic allocation of investments to balance growth and
risk.
● Goal Planning: Structuring portfolios to achieve specific goals such as
retirement, child’s education, home purchase, and life experiences like
vacations
Why should i choose an RIA over PMS or MFD?
RIAs combine the best of both worlds: fiduciary responsibility, holistic financial planning, transparent fees, and diverse investment coverage, all with advice aligned solely with your interests and at a much lower cost.
What kind of returns can I expect from your advice?
We cannot guarantee returns due to SEBI guidelines. However, our objective is to deliver 3–5% alpha (excess returns) above market benchmarks. For example, ₹10,000 investment on a monthly basis compounding for 10 years at 12% (index return) grows to ~₹ 23 Lacs. If compounded at 17% (with 5% alpha), it grows to ~₹31 Lacs. That’s an additional ~₹7-8 lakhs in wealth creation, simply due to higher compounding.without increasing the amount invested each month. This shows why even a few percentage points of alpha, if delivered consistently, matter so much over time.
How does CrispIdea ensure investment safety?
While all investments carry market risk, we mitigate risk by:
● Diversified portfolio allocation across asset classes
● Research-backed stock and fund selection
● Continuous monitoring and rebalancing based on market conditions
● Emphasis on long-term growth over short-term speculation
Are there any minimum requirements to get started?
We currently do not have minimums as we recognize that there are many of our ambitious salaried professionals are in a wealth accumulation phase. We however recommend 25 Lacs of investible assets to get started. The Platinum plan caters to larger portfolios.
Is your service regulated by any authority?
Yes. We are a SEBI-registered Investment Adviser (RIA). All practices, fee disclosures, and fiduciary standards are governed by SEBI regulations to protect your interests.
- My Wealth App
Your wealth. One
app. Total clarity.
My Wealth is built exclusively for CrispIdea Wealth Management clients. See everything you own and owe, track every investment, and plan goals — all from a single, secure dashboard.
Consolidated dashboard
Assets, liabilities, cash flow and net worth in one clean view.
Professionally successful
Earning well, leading teams, navigating demanding careers.
Plan goals on the go
Retirement, education, home, travel — map goals to portfolios and track progress.
Built for wealth clients
Exclusively for CrispIdea Wealth Management clients. Secure, private, bank-grade.
Book a wealth consult
The research engine your wealth deserves.
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