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About SmartWealth.ai
SmartWealth.ai offers a data-driven approach to investing, empowering investors at every stage using three strategy pillars for four investor personas:
Products by Strategy Pillars:
- Thematic: Top 3 Themes & Sectors
- Diversified: Stock + Debt + Gold
- Momentum + Risk Management
- Two plans: ₹10L and ₹25L
- Dynamic allocation: debt, equity and gold
- Dynamic Gold hedging
- ETF based strategy
- For portfolios up to ₹10L
- Dynamic allocation: Alpha + Low Volatility Factors
- Gold hedging included
- ETF based strategy
- For portfolios up to ₹10L
- 2-in-1: Stocks + Assets
- 3-in-1: Stocks + Assets + Factors
- Dynamic blend of strategies
- Two plans: ₹50L and ₹75L
Products by Personas:
- Aspire: Just starting your investment journey, unsure how or where to begin
- Sprint: Ambitious and growth-focused investors, want to grow wealth faster
- Endurance: Mid-career, juggling multiple investments, need to streamline and consolidate
- Triumph: Financially free, planning smart moves, looking to diversify wisely
Introducing the Diversified Momentum Investing (DMI) framework — rooted in global best practices and powered by a programmatic, rules-based engine. At its core, DMI drives returns through Momentum while managing risk across market cycles using a layered approach of Risk Management, Diversification, and Hedging.
DMI is built to serve every kind of investor through:
- 5 layers of diversification: across sectors, market caps, themes, asset classes and strategies.
- 4 investor personas: Aspire, Sprint, Endurance, and Triumph — tailored to different life stages and goals.
- 3 strategic portfolios: Stocks, Assets, and Factors— and their 2-in-1 and 3-in-1 combinations.
All research and strategies are developed by Pankaj Singh (LinkedIn)
- SEBI-registered analyst with 25+ years across sectors.
- MBA from ISB; leadership roles at Bosch, EY, Microsoft.
- Expertise in tech, consulting, and investment strategy.
- Builds data-driven solutions for smarter wealth creation.
Read about our philosophy HERE and offerings HERE.
To meet Pankaj, request a meeting HERE.
Understanding smallcases
A smallcase is a curated basket of stocks/ETFs* that reflects a certain objective (ideas, themes, strategies), backed by the research of the smallcase manager. You can invest in a smallcase in 2 clicks.
*ETFs (Exchange Traded Funds) are baskets of securities that track an underlying index (Nifty, Gold, etc) and can be bought and sold on the exchange.
The smallcase manager decides who can invest in the smallcases created by them and can create two types of smallcases :
- Exclusive smallcases : smallcases which require a subscription to the smallcase manager's Advisory in order to invest in the smallcase. You can subscribe to a smallcase directly from the smallcase profile through the subscription form.
- Public smallcases : smallcases in which anyone who has an account with our partner brokers can invest. You can invest in this smallcase by clicking on “Buy smallcase” in the smallcase profile and logging with your broker credentials.
You can buy smallcases on any of the partner brokers. Select a smallcase, select your broker and invest in less than 2 clicks.
Our partner brokers are:
Zerodha, AxisDirect, Edelweiss, HDFC Securities, Kotak Securities, IIFL Securities, 5 Paisa, Aliceblue, Angel Broking, Trustline, Upstox, Motilal Oswal, Groww, ICICI Direct, Fundzbazar and Dhan
Investing in smallcases
If you have a trading & demat account with one of the supported brokers, you can start investing in smallcases. By clicking on ‘Buy smallcase’ or ‘Login’, you can view the supported brokers and login with the respective credentials. The funds from your broker account would be used for investing in smallcases.
Once you login with your broker credentials, you can use your trading account to buy and sell smallcases. The stocks would be credited to your broker linked demat account.
Further, once you’re logged in, you can securely use the funds available in your broker account to invest in smallcases.
The funds from your broker account are utilised to invest in smallcases and the respective stocks are credited to your broker linked demat account.
Once you have invested, the index value of the smallcase is set to 100 on the buy day for easy tracking. You can monitor the performance of the smallcase from the Investments page on the broker’s smallcase platform.
Also, each smallcase is reviewed periodically and rebalanced to ensure your objective is on track.
The index value of a smallcase indicates the absolute price returns of that particular smallcase from the date of its inception. The index value is set to 100 on the inception date of the smallcase. The current index value shows by how much it has gone up since then.
Tracking & Managing smallcases
When buying a smallcase, an index value of 100 is assigned to it. Overtime, if the index value is 108.54, you can easily deduce that your smallcase has generated a total return of 8.54%.
The Details view shows you a more detailed investment overview and P&L breakdown. You can also track individual stock details from the Investments page.
There are no lock-in periods, so you may sell your smallcases anytime. As a concept however, smallcases work best when used for long-term investing.
Exclusive smallcases can be subscribed directly from the smallcase profile by following the steps below :
- Fill the subscription form with your name, email and phone number
- Choose your broker amongst the list of our partner brokers and login with your broker credentials
- Select the subscription plan and make the payment
- After successful payment, invest in the subscribed smallcase inside your broker platform by clicking on “Invest Now”
Rebalancing is the process of ensuring the weights of the stocks in the smallcase continue to be true to the underlying smallcase strategy. The rebalance frequency is decided by the creator of the smallcase. You can update your smallcase in 2 clicks to ensure your smallcase is on track with the strategy.
You can request access for an exclusive smallcase by filling up the request invite form on the smallcase profile.
When we invite you to invest in a smallcase, you can buy the smallcase in 2clicks. Invite for multiple smallcases can also be requested.
When we invite you to invest in a smallcase, you can buy the smallcase in 2 clicks. Invite for multiple smallcases can also be requested.
You can also set up an SIP (Systematic Investment Plan) for your smallcases on a weekly, monthly, quarterly and annual basis. The SIP orders will not be placed automatically and will require you to place orders each time an instalment is due. We are working on making this automated soon.
To invest more in a smallcase from your Investments page, click on the smallcase you want to invest more in and click the Invest More button on the right.
No, with smallcases - you are essentially buying exchange listed securities which are exposed to market risks. Investing in market instruments involves risks and investments may lose value.
Also, the returns shown for smallcases are the historical returns. smallcases do not have any projected returns shown. Past performance does not guarantee future returns.
From the individual smallcase page, you can find the Exit option at the right under More Actions. You can then choose a whole exit (sell all the constituents of a smallcase and exit completely) or a partial exit (book some profits while maintaining the minimum amount).
Note: Partial Exit can only be done if you’ve invested more than the minimum amount into the smallcase.
Orders are unfilled under the following circumstances:
- No demat account linked with your trading account (A demat account is required to buy smallcases)
- Insufficient funds while placing the orders (even though a funds check is conducted when you place any order - prices might have changed resulting in a/some order/s not getting filled)
- If a stock is already sold on the broker platform, orders might be unfilled (If you have sold an stock directly via the broker platform, this does not get updated in your smallcases and hence results in unfilled orders)
Note: Partial Exit can only be done if you’ve invested more than the minimum amount into the smallcase.
Repairing the batch helps you place fresh orders for those constituents that were not filled so your smallcase can be complete. For stocks that are already sold on the broker platform, contact the support team to reconcile your holdings.
Archiving a batch excludes those stocks that you have unfilled orders for and completes your smallcase without placing fresh orders.
In this case, the smallcase will not be the same as the original version you meant to buy/invest more/rebalance/exit & will differ in composition & returns.