INVESTMENT ADVISORY SERVICES
Investment Advisory focuses on helping investors construct and manage portfolios through a disciplined asset allocation framework.
Advice is provided on a fee-only basis, without distribution commissions or product incentives. Our research process is independent and involves careful evaluation of asset classes, valuations, and long-term return expectations.
We believe portfolios do not need to be complex to be effective. Our approach emphasises simple, well-diversified portfolios designed to remain resilient across market cycles.
Who This Advisory Is Best Suited For
This engagement is suitable for investors who:
- Prefer independent, fee-only investment advice
- Want disciplined portfolio construction rather than product-driven recommendations
- Are comfortable with a long-term investment approach
- Value periodic portfolio reviews and asset allocation discipline
Why Choose Fee-Only Investment Advice
- No commissions
- No product bias
- Advice aligned with client interests
How The Advisory Engagement Works
Initial Discussion
A discussion to understand your financial goals, current investments, and risk profile.
Portfolio Assessment
Review of existing holdings and evaluation of asset allocation relative to long-term objectives.
Portfolio Strategy & Implementation
Portfolio recommendations aligned with risk profile, time horizon, and market conditions.
Monitoring & Periodic Reviews
Ongoing portfolio monitoring with periodic reviews and disciplined rebalancing.
What the Advisory Covers
Research
Independent research-driven evaluation of investment opportunities across categories.
Portfolio Recommendations
Investment recommendations aligned to your Asset Allocation, Risk profile, and evolving market conditions
Periodic Rebalancing
- Systematic rebalancing to maintain target asset allocation
- Tactical adjustments based on evolving market conditions
Periodic Reviews
Ongoing portfolio monitoring with structured semi-annual reviews and annual goal reassessments.
Reporting
Consolidated portfolio reporting accessible digitally (Web and App) for tracking performance and allocation.
Tax-Aware Structuring
Portfolio guidance considers tax implications, loss set-offs where applicable, and efficient allocation strategies.
Advisory Fees
Ligna Wealth Advisors is a SEBI Registered Investment Adviser providing fee-only portfolio advice without distribution commissions or product incentives.
Equity, Debt & Hybrid Allocations
The annual advisory fee is determined based on portfolio size:
| Assets Under Advisory (AUA) | Advisory Fee (Per Annum)* |
|---|---|
| Upto ₹1 Crore | 0.60% |
| ₹1 – ₹3 Crore | 0.50% |
| ₹3 – ₹5 Crore | 0.40% |
| ₹5 – ₹10 Crore | 0.30% |
| ₹10 Cr and above | 0.25% |
*Fees are calculated on the average AUA and billed Monthly / Quarterly as agreed.
AUA includes investments advised by us across mutual funds, PMS, and AIF structures. It excludes bank deposits, government-backed schemes, direct equities, and other independently managed assets.
Fees are applied on a non-progressive basis, based on total Assets Under Advice at the end of each billing
If the AUA is ₹4 crore, the applicable fee rate is 0.40% on the entire amount, not slab-wise.
Fee Illustration
| Assets Under Advisory (AUA) | Fee % | Annual Fee (₹) | Monthly Fee (₹) |
|---|---|---|---|
| ₹10 Lakhs | 0.60% | 6,000 | 500 |
| ₹1 Crore | 0.50% | 50,000 | 4,167 |
| ₹2 Crores | 0.50% | 1,00,000 | 8,333 |
| ₹4 Crores | 0.40% | 1,60,000 | 13,333 |
| ₹7 Crores | 0.30% | 2,10,000 | 17,500 |
| ₹10 Crores | 0.25% | 2,50,000 | 20,833 |
(Above calculation assumes that all AUA is for non-liquid/arbitrage schemes)
Liquid & Arbitrage Allocations
Advisory Fee: 0.10% per annum of AUA
Payment Mechanism
- Centralised Fee Collection Mechanism (CeFCoM) provided by BSE. You could opt for e-mandate facility or pay through a payment link
- SEBI introduced Unified Payment Interface (UPI) mechanism
- Directly to our bank account