To execute the advice provided it is essential to invest into stocks and ETFs which can be bought and held in a demat account.

The advisory fee is charged so that the built systems and technology can be made more robust and future proof so that 5nance can continue to provide optimised services to achieve high performance.

The research team works very closely with the technology team to build and maintain systems to optimise and improve investment portfolio performance.

The investment philosophy is an ever-evolving philosophy focussed on future growth. Being a technology company ourselves, our ethos is also driven by investing into the future be it for investor portfolios or even when it is for our team and processes.

The model begins with early warning signals which takes in consideration a whole host of global and India specific macro-economic parameters. When securities are chosen, parameters like sustainability, management quality, unit economic analysis and many others are quantified to bring to the fore high caliber securities. These are again analysed with the price action theory. The above parameters are also under continuous incremental transition and evolution.

There is no such requirement. Though for execution services a minimum investment of Rs. 200,000 is required which is also ideal.

• We charge a flat fee of Rs 7500/- on Advisory Model and 2.5% on Execution model on the portfolio amount. (Taxes applicable)

There is no lock-in period. We recommend to stay invested for 3 years to get optimal results.

There could be periods when All Rounder underperforms important indexes. That is when we track, take stock and course correct. In recent years there has been an underperformance of a maximum of 3 consecutive months.

• Over the investment period of 3 years you can expect consistent returns.

The product is designed to protect during market downturns. This is achieved by investment in high calibre securities and prompt shifts in asset allocation to have a sophisticated hedged portfolio.

This product has no hidden fees.

Usually the holding period is more than a year. Therefore a 10% long term capital gains tax is applicable. Only in a few cases short term capital gains tax of 15% will have to be paid.

It is an absolute return product and the two main features of the product's core are:

There are stocks and ETFs that can be bought and held in the demat account. For risk-off investments ETFs can be held while stocks can cover the growth requirements.

Yes, it can be executed with any broker. Once we begin execution with our associated broker this leg will become even more seamless.

The research carried out to provide advisory is automated to a large extent and so is the entire process that follows. Though every now and then, a human touch is required to only improve the experience and performance.

Markets will stay volatile and investors have a rationale requirement of safeguarding the money and flexibility when the markets are low and gaining higher returns when the markets are high. Our algorithm does this accurately to ensure that you gain positive returns irrespective of the market conditions.

No investment can have guarantees, not even government bonds. Though the portfolio is well diversified with multiple asset classes, the risk is prudently managed.

Always it is the investor's discretion whether they want to act or not. We provide our advisory basis the entire portfolio, hence many a times a particular stock or ETF might not look lucrative on its own but is very relevant in context of the entire portfolio.

Yes like said previously, the control and ownership lies with the investor.

We provide multiple reminders and because it is not trades but investments, price fluctuations in a few days can have little impact on a portfolio investment horizon of 3 years.

It will be rebalanced in the next advisory. Besides our individual securities are of very high calibre and less often are impacted by timing.

Not applicable, as we are not a trading based advisory platform.

On a yearly basis it has never delivered negative returns, not even in tough years. It is designed to optimally allocate to assets considering the overall portfolio situation. Though there can be times that all assets classes are in a downward spiral and the product does not deliver for a year.

Yes. These investments have no lock-in period, though advisory and execution to stay ahead will be stopped.

All Rounder is an offering with an investment mindset to enable growth generation with little risk. Therefore it is not a run of the mill trading advisory with targets and stop loss. Rather it is a portfolio management which has intentions to build wealth. It takes care of the growth required for financial independence.

The advisory fee is charged on an annual basis.

• We have sophisticated systems and processes to build an all-weather portfolio. These portfolio suggestions need to be followed and approved to achieve the best results. The portfolio holdings include risk-off assets and stocks to achieve the growth factor. The objective is to achieve consistent annual returns. 

No an existing folio cannot be incorporated.

Yes you can.

Yes the update will be on a monthly basis.

All Rounder is more DIY and also the investments are held in the investor's own demat account rather than a pool account. In PMS the advantage is that after the funds are transferred the investor can just sit back but the that also means that an investor has very little control.

It is advised that atleast a lakh of rupees can be set aside for investment to have a meaningful portfolio.

Each day when transactions take place, a contract note will be emailed after which transactions in the demat account will also be sent across.

All trading and broking accounts have a section which mentions the Holdings. Besides consolidated Holdings statements are also provided by the depositories.

The portfolio is reviewed on a weekly basis but it not necessarily mean that action needs to be taken that often. Our experience has been that action on individual securrities need to be taken twice a month.

As the control, ownership and access lies with the investor. One only needs to see their holdings and put sell orders to get access to funds in 2 days.

The RMS is ingrained by a well diversified portfolio with high calibre securities. Also the agility of systems enables prompt shifts in asset allocation. Both of the above are administered by a 3-layer analytical system with a strong tracking mechanism.

Cash allocation is just to create a buffer to account for the changes in price and other expenses like demat charges, brokerage, CDSL charges etc.

The objective is to get consistent returns on the capital over a 3-year time frame. An AI-driven, dynamic asset allocation hedges against the risk from the downside when equities fall. AI-driven price action defines the tactical allocation and security weights too. Also, the portfolio is curated with high-quality securities that are in a favorable position to generate alpha over the frontal indices across various cycles.

Yes. The control & ownership lies with the investor. We provide our advisory basis the entire portfolio. So for proper Portfolio execution, tracking & management, it’s recommended to add only 5nance’s suggested stocks to your All Rounder Portfolio. 5nance will track & review only its recommended stocks in your All Rounder Portfolio.

A managed portfolio works with a single-click consent when rebalancing is scheduled. Hence, it reduces your effort while also improving accuracy to provide better results. Moreover, the trading process is hassle-free.

When you sell shares during market hours, the shares are debited from your (seller’s) account to deliver to the buyer. The broker needs the Power of Attorney (POA) to debit these shares from your demat account.

TPIN will be generated by broker (zerodha). You would have received the CDSL TPIN to your registered mobile number and email address with CDSL ). You have to use the CDSL TPIN instead of your Kite PIN, and authorize the stocks to be debited from your demat account before placing a delivery/CNC (including GTT) sell order on Kite.

TOTP means a Time-Based OTP. It’s a one-time task that adds security to your demat account. It is a two-factor authentication process for your demat account.

You cannot add funds through the 5nance platform. You need to add funds into your brokers trading/demat account via UPI apps, Net banking, IMPS, NEFT or RTGS & via a cheque.

1. Open a new trading/demat account with the broker 5paisa.com utilizing the 5nance platform (screenshots) – Steps details required
   1. Click continue on Open/Link 5paisa demat account
   2. Set up trading password
   3. Fill up your personal details – PAN no. & birth date
   4. Add your Bank details – a/c no & IFSC code
   5. Upload the documents – PAN card, Signature & Photo
   6. e-sign the form digitally using your Aadhaar card
   7. The application process will be completed & account will open in the next few hours
2. Open a new trading/demat account with 5nance’s broker partners - Angel One, Zerodha etc.
3. Documents you need to open a new trading/demat account – i)A photocopy of the PAN card ii)Aadhaar card details iii)mobile number linked to your Aadhaar card iv)Bank proof v) Income proof

The following documents are needed to open a Trading/demat account

1. A photocopy of your PAN card
2. Aadhaar card details
3. The mobile number linked to your Aadhaar card
4. Bank proof: A cancelled Cheque/ Bank statement/Passbook front page
5. Income proof – Bank statement for the last 6 months/ the latest salary slip
6. Signature – A photo copy or scanned copy of your signature to be uploaded

You cannot change it. The risk profiling window will open after 6 months. It’s regulatory in nature as the advisory gets aligned to the risk profile.

1. Visit the nearest Aadhaar centre & update your mobile number with the Aadhaar card
2. Request for an offline agreement on allrounder@5nance.com It can be couriered to 5nance.com (Innovage Fintech Pvt. Ltd) A-703, Eureka Towers, Mindspace, Malad West 400064

Complete the KYC process using your PAN Card & Aadhaar Number.

The order is normally placed as a market order. 99% of the time, it gets fully executed.Although, it may happen that order gets executed partially. In such a case, a differential quantity will be available for execution in the next 30 minutes on the platform.

No, the aftermarket hours' order can not input through 5nance.

On execution of order, the same will reflects within 5 minutes in the 5nance App under your dashboard. In case the order is failed or rejected, the same will be available again in 5nance site in next 30 minutes for execution.

In case your initial order is failed, kindly check the reason of failure in your broker account and take corrective action. The order will be available again at 5nance site in next 30 minutes for execution.

There is no any discount or offer on advance renewal fee. You need to pay complete subscription charges as per the selected portfolio.

No, you do not have to pay any additional fee for renewing the services. You have to pay only the subscription amount as per the portfolio selection.

You will get subscription renewal notification with renewal link via email, WhatsApp and in app notification. You need to click that link and need to pay the fees as per the portfolio selected.

There will be a provisional report from us on the capital gains. Actual capital gain report needs to be collected only where the shares are held i.e. from the stock broker

P/L statement is issued by the brokers. We have the provision to see the entire trade book.

There will be a performance report shared on a monthly/quarterly basis

We providing multiple reminders via app notifications, SMS, emailers & WhatsApp messages.

Our platforms available on web and app. Additionally we shall be sharing the performance update with you each month.

This product has no hidden fees. We only charge advisory fee as per your plan and investment amount for All Rounder product, apart from same, there is absolutely no charges from 5nance.

We do not charge customers any brokerage or commission for execution of transactions. Any brokerage/commission levied to the customer will be as per his arrangement with the broker that he is executing the trades with.

Rule 1:

Minimum fees on Lumpsum & SIP amounts will be INR 100.

Rule 2:

Fees will be charged for a minimum of 2 months throughout the year of the execution services availed by the client. The exception is Rule 3.

Rule 3:

No top-up will be allowed in the last month of the service period.

Here ‘Service period’ or ‘Service’ means 1 year from the date of availing the execution services.

We’ll charge fees of 2.5% per annum as and when the above-mentioned 3 rules are fulfilled.

The calculation will be done for the remaining period divided by 2. The fees shall be charged for the 2 months’ rounded off.

No fees to be charged in the last month. The fees will be charged on a pro-rata basis.

1. Fee structure for a Managed Portfolio: Lumpsum – 2.5% of the total portfolio amount + 18%* GST
2. Fee structure for a Managed Portfolio-SIP

We’re charging a flat fee of Rs.7500/- + 18%* GST on irrespective of the amount for Advisory services - Lumpsum and SIP.

We are providing multiple reminders via app notifications, SMS, emailers & WhatsApp messages. You can also check them on your All Rounder Dashboard.

Start a SIP in All Rounder with a minimum amount of Rs. 10,000/- per month. You can add amount in multiples of Rs. 1,000/-.

Portfolio recommendations will be sent as per your chosen SIP amount.

No. You cannot change your All Rounder SIP date. The SIP date for each month is the same as the date of your first month’s subscription.

You can start an SIP in All Rounder with a minimum amount of Rs. 10,000/- per month.

Yes. For securities that need to be bought afresh or sold completely, there will be a rationale for same.

We providing multiple reminders via app notifications, SMS, emailers & WhatsApp messages. As it is not trades but investments, price fluctuations every few days can have little impact on a portfolio with an investment horizon of 3 years.

On an average, rebalancing is done once in a month. Rebalancing could be done 2-3 times in a single month. There could be no rebalancing done for 2 months at a stretch. It totally depends on the market conditions and stocks in your portfolio.

The product is designed to protect your investment during market downturns. This is achieved by investing in high-caliber securities and prompt asset allocation for a sophisticated hedged portfolio.

No. All Rounder is not a tax-saving investment. Usually, the holding period is more than a year. Therefore, a 10% long-term capital gains tax is applicable. Only in a few cases will a short-term capital gains of 15% require to be paid.

Artificial intelligence is used to define asset allocation, stock weights and to identify the price action for a large set of securities. There are regular checks as well to review the AI's output.

No. There is no lock-in period. All Rounder is long-term investment Product.

So to get ~2x returns, we suggest staying invested in All Rounder for atleast 3 yrs.

You’ll get reviews only on the stocks that are a part of your All Rounder portfolio.

These assets are negatively correlated with equities. They protect the downside when the equity markets fall.

Yes. It’s always the investor's discretion whether they want to go ahead with the recommended stocks or not. We provide our advisory basis the entire portfolio. Often, a particular stock or ETF might not look lucrative on its own. But it is very relevant in context of the entire portfolio.

Although returns are tracked daily, it’s best to track your portfolio’s performance over a quarterly basis. Our experts recommend that you stay invested for at least 3 yrs. to ensure your portfolio’s optimal performance

This is complimentary offer only for first year and the fee charges may vary year on year.

Once the payment is successful, activate the account by e-signing

1. A security code will be sent to your mobile number (registered with 5nance)
2. Enter the Aadhaar card number
3. Enter the OTP sent on the mobile (that is linked with the Aadhaar card)
4. E-signing is done.

Once the payment is successful, activate the account by e-signing

1. A security code will be sent to your mobile number (registered with 5nance)
2. Enter the Aadhaar card number
3. Enter the OTP sent on the mobile (that is linked with the Aadhaar card)
4. E-signing is done.

1. Since 5nance has tied up with 5paisa.com you can open a new broker account with 5paisa via the 5nance platform. Simply follow these steps

Steps to open a broker account via 5nance:

1. Click continue on Open/Link 5paisa demat account
2. Set up a trading password
3. Fill up your personal details – PAN no. & birth date
4. Add your bank details – a/c no & IFSC code
5. Upload the documents – PAN card, Signature & Photo
6. e-sign the form digitally using your Aadhaar card
7. The application process will be completed & account will open in the next few hours

1. Existing 5nance customer - Log into the 5nance app / If you’re a new customer – register with 5nance
2. Click on the All Rounder home page banner in Our Best Offerings section
3. You will see the All Rounder Video & its USPs
4. Check All Rounder’s past performance
5. Choose your All Rounder Plan – Managed portfolio or Advisory portfolio
6. Determine your capacity to take risk (Risk profiling)
7. Choose investment amount
8. Complete the e-signing process
9. Open/Link your demat account
10. Automate portfolio execution with consent