Investment Philosophy

We don't distribute products. We optimise portfolios.

Fee-only. No commissions. Every recommendation flows from one question: is this genuinely in the client's interest?

Four gates. No exceptions.

Every product must pass all four before scoring across our 6 weighted factors begins.

Risk-adjusted return

Must deliver meaningful return per unit of risk taken.

Six factors. Weighted objectively.

Minimum qualifying score: 4.0 / 5.0

25%

Liquidity

Time-to-cash and repatriation ease

25%

Risk-Adjusted Return

Return per unit of risk

20%

Cost Efficiency

Total cost as % of return

15%

Transparency

Pricing, disclosure, regulatory clarity

10%

Tax Efficiency

NRI-specific LTCG and DTAA treatment

Diversification

Breadth of exposure

Every product. Scored and rated.

4.8

Equity ETFs

India-listed

Lowest cost, highest liquidity, full regulatory clarity for NRIs. | Cost: 0.05-0.10%

RuDo Score

4.8 / 5

4.8

Global ETFs

UAE / US-listed

Geographic diversification, zero UAE CGT, clean repatriation. | Cost: 0.05-0.50%

RuDo Score

4.8 / 5

4.2

Equity Mutual Funds

Direct plan only

Active management with SIP/SWP accessibility. | Cost: 0.30-1.00%

RuDo Score

4.2 / 5

4.0

Debt Mutual Funds

Direct plan only

Stable returns, low volatility, effective portfolio anchor. | Cost: 0.30-1.00%

RuDo Score

4.0 / 5

3.4

Direct Stocks

Exchange-traded

Single-stock ruin risk. An index cannot go to zero; a stock can. | Cost: Brokerage only

RuDo Score

3.4 / 5

2.8

Equity AIFs

Cat II / Cat III

Fails cost gate. Illiquid with high concentration risk. | Cost: 2.00-4.00%

RuDo Score

2.8 / 5

2.0

Structured Products

Fails cost and transparency gates. | Cost: 2.00-5.00%

RuDo Score

2.0 / 5

1.8

ULIPs

High embedded costs. Commission structure creates conflict of interest. | Cost: 4-6% p.a.

RuDo Score

1.8 / 5

See how this applies to your portfolio

Take our risk assessment and get a recommendation built on this framework.

This describes RuDo's evaluation framework and does not constitute financial advice. Past performance is not indicative of future results. Scores are internal assessments, periodically reviewed. Consult a qualified adviser before making investment decisions.