Founded on principles.
Driven by science.

Scripbox’s promise of right wealth management and investments for your objectives begins with asset allocation, orbuilding a diversified portfoliowith the right asset and sub-asset classes. You need different asset classes to fulfil different roles within the portfolio. For eg., Scripbox Long Term Wealth is a portfolio that gives inflation-beating returns along with stability for long-term goals, such as, retirement, child’s education, etc. 50% of the portfolio is allocated to stable, large-cap funds while 50% is growth-driving, diversified multi-cap funds.

The science is in optimising the right asset class and the allocation ratio for each. With our Glide Paths, we also help you move your investments to lesser-risk asset classes as you near your goal, besides regular rebalancing of your portfolio to ensure an asset allocation most suited to your life’s needs.

After the asset allocation, our proprietary algorithmchooses the best products, viz, mutual funds within each asset class for you. Considering hundreds of mutual funds in India, selecting the right ones is a process!

Certain fundamentals observed while arriving at the mutual funds include:

1Focus on growth options only; with tax-efficiency in mind.

2Elimination of small funds; since they are susceptible to redemption pressure.

3Discarding funds without a 4-year track record; because short-term performances can be misleading.

4Evaluation on the consistency of performance.

5Annual reviews to ensure the recommended funds’ health.

We use the power of science (and good conscience!) to de-risk and manage your portfolio. In theScripbox Annual Review™, our algorithms check on previous year’s mutual fund recommendations for bad performance, or other danger signs. The algorithm then recommends new funds, if needed.

Thrice a year, the algorithm runs the personalisedScripbox Portfolio Scan™to identify if you need to exit any underperforming funds and/or declutter your portfolio of funds with smaller amounts. You are then prompted to re-invest this amount into new recommended funds. These measures ensure that you stay invested in only the right funds.

At Scripbox, we don’t just help you invest in the right funds, but also ensure that your exit is tax-optimised and intelligent.

With Scripbox Smart Withdraw™, we ensure that you only withdraw from funds withminimal tax implications and reduce your long-term capital gains.

Our algorithms also track the possible impact of capital gains, and alert you about the same at the time of withdrawals.