The 2025–26 results
The 2025–26 results
The 2025–26 results
Quantitative rigour, applied to personal advice.
Quantitative rigour, applied to personal advice.
The realised performance of every plan we manage, from 22 May 2025 to 22 May 2026, measured against the market.
The realised performance of every plan we manage, from 22 May 2025 to 22 May 2026, measured against the market.
From the advisor’s desk
From the advisor’s desk
It was a choppy year for Indian markets. The Nifty 50 ended the twelve months down 2.95%, and most broad benchmarks finished close to where they began. Against that backdrop, the plans we built for our clients held their ground, and then some.
It was a choppy year for Indian markets. The Nifty 50 ended the twelve months down 2.95%, and most broad benchmarks finished close to where they began. Against that backdrop, the plans we built for our clients held their ground, and then some.
We don’t sell generic baskets. Every client gets a plan built around their own goals, and this report simply adds up how all of those plans actually did. Across the 154 personalised plans we manage, the average one-year return was 12.06%: ahead of every benchmark in this report, and with noticeably gentler ups and downs along the way.
We don’t sell generic baskets. Every client gets a plan built around their own goals, and this report simply adds up how all of those plans actually did. Across the 154 personalised plans we manage, the average one-year return was 12.06%: ahead of every benchmark in this report, and with noticeably gentler ups and downs along the way.
None of that happens by accident. It comes from broad diversification, careful fund selection, and the discipline to stay invested when the headlines get loud: an experienced adviser setting the course, with technology to search the market, run the math and keep every plan on track. That is the work you have trusted us with, and we intend to keep doing it well.
None of that happens by accident. It comes from broad diversification, careful fund selection, and the discipline to stay invested when the headlines get loud: an experienced adviser setting the course, with technology to search the market, run the math and keep every plan on track. That is the work you have trusted us with, and we intend to keep doing it well.
Invsify Advisory
Invsify Advisory
For the year ended 22 May 2026
For the year ended 22 May 2026
The result
The result
+12.06%
+12.06%
+12.06%
average return across all 154 personalised plans, after a full year
average return across all 154 personalised plans, after a full year
average return across all 154 personalised plans, after a full year
Profile
One-year return
Max drawdown
Plans
Average of all plans (all 154 plans)
Average of all plans
(all 154 plans)
+12.06%
−8.36%
154
Conservative & moderate
Conservative
& moderate
+11.06%
−8.04%
121
Aggressive
+15.70%
−9.50%
33
We don’t normally sort clients into risk buckets, since each plan is personal. For this report we grouped the plans into two broad profiles so you can see the range: the steadier, conservative-to-moderate plans clustered around 11%, while the more aggressive plans reached close to 16%, taking a little more drawdown to get there.
We don’t normally sort clients into risk buckets, since each plan is personal. For this report we grouped the plans into two broad profiles so you can see the range: the steadier, conservative-to-moderate plans clustered around 11%, while the more aggressive plans reached close to 16%, taking a little more drawdown to get there.
The year, day by day
The year, day by day
Starting every series at 100 on 22 May 2025, the average plan climbs steadily and finishes the year near 112.1. The market benchmarks spend most of the year clustered below it; the Nifty 50, in red, falls well into negative territory before recovering to just under where it began. Hover any point to compare every series on a given day.
Starting every series at 100 on 22 May 2025, the average plan climbs steadily and finishes the year near 112.1. The market benchmarks spend most of the year clustered below it; the Nifty 50, in red, falls well into negative territory before recovering to just under where it began. Hover any point to compare every series on a given day.
Against the market
Against the market
+15.70%
+15.70%
Average Plan
Average Plan
+12.06%
+12.06%
Average Plan
+11.06%
+11.06%
Conservative & moderate
+10.85%
+10.85%
Nifty Next 50
+9.70%
+9.70%
Multi-Asset 50/30/20
+8.08%
+8.08%
Nifty Midcap 150
+7.00%
+7.00%
Fixed Deposit (7%)
+1.54%
+1.54%
Nifty Smallcap 250
+1.00%
+1.00%
Gilt (10y debt)
+0.39%
+0.39%
Nifty Next 50
+12.06%
Average of all plans
+11.06%
Conservative & moderate
+10.85%
Nifty Next 50
+9.70%
Multi-Asset 50/30/20
+8.08%
Nifty Midcap 150
+7.00%
Fixed Deposit (7%)
+1.54%
Nifty Smallcap 250
+1.00%
Gilt (10y debt)
+0.39%
Nifty 500
−1.42%
−1.42%
Balanced 65:35
Balanced 65:35
−2.95%
−2.95%
Nifty 50
−2.95%
Nifty 50
Ranked side by side, all three Invsify profiles sit at the top of the table. Every Indian-market benchmark we track finished below the average plan, and two of them, the Nifty 50 and a 65:35 balanced mix, ended the year in the red. Benchmark figures are gross index or scheme returns, shown for reference.
Ranked side by side, all three Invsify profiles sit at the top of the table. Every Indian-market benchmark we track finished below the average plan, and two of them, the Nifty 50 and a 65:35 balanced mix, ended the year in the red. Benchmark figures are gross index or scheme returns, shown for reference.
Lower drawdowns, by design
Lower drawdowns, by design
−8.36%
−8.36%
−8.36%
Average Plan
Average Plan
−15.17%
−15.17%
Nifty 50
−15.17%
Nifty 50
Returns are only half the story; how far a portfolio falls along the way matters just as much. The average plan’s worst peak-to-trough drop was 8.4%, roughly half the Nifty 50’s 15.2%. That is not luck. Downside behaviour and diversification are scored into every fund decision, and weighted more heavily still for conservative plans, so a gentler path is built in from the start.
Returns are only half the story; how far a portfolio falls along the way matters just as much. The average plan’s worst peak-to-trough drop was 8.4%, roughly half the Nifty 50’s 15.2%. That is not luck. Downside behaviour and diversification are scored into every fund decision, and weighted more heavily still for conservative plans, so a gentler path is built in from the start.
Advisers and technology, together
Advisers and technology, together
Invsify isn’t a robo-adviser, and it isn’t a lone stock-picker. It is a team of experienced advisers working alongside a quantitative engine that searches thousands of funds, scores them, and solves for the best plan, every day. The advisers set the strategy and own the judgment; the mathematics makes that judgment precise, consistent and repeatable.
Invsify isn’t a robo-adviser, and it isn’t a lone stock-picker. It is a team of experienced advisers working alongside a quantitative engine that searches thousands of funds, scores them, and solves for the best plan, every day. The advisers set the strategy and own the judgment; the mathematics makes that judgment precise, consistent and repeatable.
We treat advice as a control problem. Each plan defines a target: a mix of assets, a roster of funds, a monthly schedule. Every morning the engine measures your actual position, your holdings, your idle cash, and how far the market has pushed your allocations from target, then computes the smallest set of moves that closes the gap. While you sit within tolerance, it does nothing. Most days, that is the correct answer.
We treat advice as a control problem. Each plan defines a target: a mix of assets, a roster of funds, a monthly schedule. Every morning the engine measures your actual position, your holdings, your idle cash, and how far the market has pushed your allocations from target, then computes the smallest set of moves that closes the gap. While you sit within tolerance, it does nothing. Most days, that is the correct answer.
Fund selection is neither a hunch nor a black box. For each position in a plan, the engine searches the eligible universe, discards any fund that overlaps too heavily with what you already hold, and scores every remaining candidate from 0 to 100 across seven dimensions:
Fund selection is neither a hunch nor a black box. For each position in a plan, the engine searches the eligible universe, discards any fund that overlaps too heavily with what you already hold, and scores every remaining candidate from 0 to 100 across seven dimensions:
Dimension
What it measures
Risk fit
Risk fit
How the fund’s volatility matches the basket’s risk band
Diversification
How little it overlaps the rest of your funds
Quality
Track record, ratings, scale and recent returns
Timeline fit
Whether the category suits the goal’s horizon
Cost
Expense ratio and exit loads
Stability
Downside behaviour and how long the fund has run
Consolidation
Keeping the total number of funds manageable
The seven scores combine into a single objective, weighted to your risk profile, with more emphasis on stability and downside protection for conservative plans and more room for upside in aggressive ones. The exact weighting is our own. What matters is that the procedure is deterministic: identical inputs yield an identical shortlist, every time, so an adviser can trace precisely why any fund was chosen and override it when judgment calls for it. Language models are used only to put a recommendation into plain English, never to make the choice.
The seven scores combine into a single objective, weighted to your risk profile, with more emphasis on stability and downside protection for conservative plans and more room for upside in aggressive ones. The exact weighting is our own. What matters is that the procedure is deterministic: identical inputs yield an identical shortlist, every time, so an adviser can trace precisely why any fund was chosen and override it when judgment calls for it. Language models are used only to put a recommendation into plain English, never to make the choice.
The portfolio is kept steady, not static. Funds you already own re-enter the search with a measured advantage, so the plan is improved rather than churned. And when your income, expenses, risk or goals cross a threshold, only the affected part of the plan is recomputed; your existing holdings are preserved by construction. The mathematics does the heavy lifting; your adviser stays in the loop.
The portfolio is kept steady, not static. Funds you already own re-enter the search with a measured advantage, so the plan is improved rather than churned. And when your income, expenses, risk or goals cross a threshold, only the affected part of the plan is recomputed; your existing holdings are preserved by construction. The mathematics does the heavy lifting; your adviser stays in the loop.
The core idea
The core idea
Strip away the charts and a single year is just a footnote. What matters is the idea underneath it: one plan, built around one person’s goals, diversified widely enough that no single market can sink it, and then left alone to compound.
Strip away the charts and a single year is just a footnote. What matters is the idea underneath it: one plan, built around one person’s goals, diversified widely enough that no single market can sink it, and then left alone to compound.
We don’t try to call the next quarter or beat an index for its own sake. We pair experienced advisers with technology that searches the market and runs the math, build the plan, keep costs and risk in check, and stay the course. The edge isn’t a hot tip; it is rigour applied consistently, to every plan, every day. Do that patiently and the years tend to take care of themselves. That is the whole idea, and this year is simply one more data point in its favour.
We don’t try to call the next quarter or beat an index for its own sake. We pair experienced advisers with technology that searches the market and runs the math, build the plan, keep costs and risk in check, and stay the course. The edge isn’t a hot tip; it is rigour applied consistently, to every plan, every day. Do that patiently and the years tend to take care of themselves. That is the whole idea, and this year is simply one more data point in its favour.
Benchmark figures are gross index or scheme returns, shown for reference, and do not carry advisory costs or taxes. Drawdown and down-day figures are measured on the average-plan curve. Past performance is not indicative of future results, and the figures above relate to the model plans we recommended, not the realised return of any individual client.
Benchmark figures are gross index or scheme returns, shown for reference, and do not carry advisory costs or taxes. Drawdown and down-day figures are measured on the average-plan curve. Past performance is not indicative of future results, and the figures above relate to the model plans we recommended, not the realised return of any individual client.
Disclaimer: Registration granted by SEBI and membership of BASL in no way guarantee performance of the Investment Adviser or provide any assurance of returns to investors. Investments in securities market are subject to market risks. Please read all related documents carefully before investing.
Invsify provides only investment advisory services under SEBI (Investment Advisers) Regulations, 2013. We do not guarantee returns and we do not handle client funds or securities. Clients are advised to make independent investment decisions and understand associated risks.
SEBI Registered Investment Adviser (Reg. No.: INA000020572) | CIN: U66190DL2025PTC444097 | BSE Star MF Member ID: 64331
Registered Office: F-33/3, 2nd Floor, Phase – 3, Okhla Industrial Estate, New Delhi – 110020
For grievances, write to us at compliance@invsify.com. If not resolved, you may lodge a complaint on SEBI SCORES.
© 2025 Invsify Technologies Private Limited
Disclaimer: Registration granted by SEBI and membership of BASL in no way guarantee performance of the Investment Adviser or provide any assurance of returns to investors. Investments in securities market are subject to market risks. Please read all related documents carefully before investing.
Invsify provides only investment advisory services under SEBI (Investment Advisers) Regulations, 2013. We do not guarantee returns and we do not handle client funds or securities. Clients are advised to make independent investment decisions and understand associated risks.
SEBI Registered Investment Adviser (Reg. No.: INA000020572) | CIN: U66190DL2025PTC444097 | BSE Star MF Member ID: 64331
Registered Office: F-33/3, 2nd Floor, Phase – 3, Okhla Industrial Estate, New Delhi – 110020
For grievances, write to us at compliance@invsify.com. If not resolved, you may lodge a complaint on SEBI SCORES.
© 2025 Invsify Technologies Private Limited
Disclaimer: Registration granted by SEBI and membership of BASL in no way guarantee performance of the Investment Adviser or provide any assurance of returns to investors. Investments in securities market are subject to market risks. Please read all related documents carefully before investing.
Invsify provides only investment advisory services under SEBI (Investment Advisers) Regulations, 2013. We do not guarantee returns and we do not handle client funds or securities. Clients are advised to make independent investment decisions and understand associated risks.
SEBI Registered Investment Adviser (Reg. No.: INA000020572) | CIN: U66190DL2025PTC444097 | BSE Star MF Member ID: 64331
Registered Office: F-33/3, 2nd Floor, Phase – 3, Okhla Industrial Estate, New Delhi – 110020
For grievances, write to us at compliance@invsify.com. If not resolved, you may lodge a complaint on SEBI SCORES.
© 2025 Invsify Technologies Private Limited
