A well-established educational trust with ongoing operational responsibilities, and a multi-stakeholder governance structure
Wealth Management Focus
- Treasury efficiency, sustainable income generation, and strong governance support with transparency and compliance built in.
Challenges
- Surplus capital earning sub-optimal returns due to an overly conservative investment stance.
- Unconsolidated investment records with no unified portfolio-level visibility or reporting.
- Need for disciplined liquidity access to meet operational and educational requirements without disrupting the core corpus.
- Initial resistance to market-linked instruments due to perceived volatility and capital preservation concerns.
- Legacy portfolios built around fixed deposits and traditional debt, with limited diversification and growth orientation.
- Treasury operations stretched due to administrative burden and absence of reporting uniformity.
How We Helped
- Designed a core capital-preserving investment strategy using fixed income and hybrid instruments aligned with the trust’s risk profile within the regulatory guidelines of Section 11(5) of Income Tax Act.
- Layered in a tiered deployment plan, including liquidity for short-term needs, short-duration debt and hybrid instruments for mid-term stability, and controlled equity exposure for long-term growth.
- Structured a rolling maturity plan to provide periodic liquidity without disrupting long-term corpus allocation.
- Guided a phased exposure strategy to market-linked instruments, enabling trustees to build comfort through measured experience and clear communication.
- Revamped legacy allocations by consolidating fragmented holdings and aligning portfolios with risk and return mandates.
- Delivered ongoing compliance, treasury support, and unified reporting systems to reduce administrative load and improve oversight.