FAQs

1. Why should I choose Ritwik Rai as my investment advisor?
You should choose your investment advisor based on whether you find his investment philosophy to be sound. In short, my investment philosophy is based on fundamental research, forming an opinion, finding where the market prices differ from my opinion, and utilizing the existing value gaps, while keeping overall risks at manageable levels. You can read our investment philosophy Here.
2. What is the minimum amount to be invested?
The minimum amount that you would invest under our advisory shall be dependent on the plan chosen by you. For the longer-term investors, the minimum amount is Rs 10 lakhs (this is for a limited period only, and is subject to change).
3. What is the minimum duration of the investment?
We provide advisory services to durations of all kinds, subject to suitability for the client. Our short-term plans envisage a minimum duration of a week/ month. The minimum recommended duration for the small/ mid cap portfolio is three years.
4. Which sector will you be focussing on?
We are sector-agnostic, and our sector choices may change subject to the overall macroeconomic environment. As of now, we believe that consumption shall continue to be the prime driver of the economy, and as a result, our portfolios shall exhibit a bias towards consumption. We may play consumption through various sectors, though: Consumer Staples/ Discretionary, as also Private Banks and high quality NBFCs.
5. What are the benefits Vis-à-vis MF?
(Equity oriented) Mutual funds are a reasonably good investment avenue. However, they are less flexible than a direct participation in equities. Size often creates a disadvantage for mutual funds, in both choosing a stock (a relatively small stock is not feasible for a large mutual fund), and in terms of an exit (a large investor will do a lot of damage to price when exiting). Also, mutual funds can’t be customised to your individual preferences (short-term versus long-term, concentrated versus diversified).
6. Is there any entry/ exit load?
There is no entry or exit load. However, our long-term plans are “pre-paid” (annual/ three-year fees, depending on the plan chosen). The fees are non refundable.
7. What is the minimum assured return?
We do not give any targeted returns. Our aim over a long period is to outperform the markets by 5-10 % per annum. On a portfolio level we aim to give a return of 20-25%- compounded over a long period of time.
8. How is investment advice given- phone or mail?
How is it executed? - Trading calls are given on email with the targeted price range and logic behind the call. The execution of the call is the client’s responsibility.
9. Are the calls on cash or derivatives? What’s the ratio?
The number of calls provided for each type of investment plan is provided in our “Products” section.
10. How long does it take to get started?
The end to end process for account opening takes 5-6 working days. We can help you connecting to a broker.
11. How can I make a payment of the fees?
- Fees can be paid vide UPI, direct bank transfer or even vide a cheque payment.
12. Which product suits me the best?
The product shall depend on a variety of factors, including your income and assets, and your attitude towards risk. Contact us so that we can help you choose the plan suitable for you.
13. How can I contact in case of large corpus for personalised services?
We do provide personalised services too. You can simply write in to us at invest@ritwikrai.com; and we will get in touch immediately.
14. How can I contact in case of queries or want status updates:
You can write to us at : invest@ritwikrai.com or Call us on:- 022 25200183, Mon-Fri, (9am to 5pm)
15. Do you advice on Mutual Funds too?
Yes. We provide advice on mutual funds, for all investors either looking to, or invested in, mutual funds to an extent greater than Rs 25 lakhs. Our advice on mutual funds is available for a nominal fees.