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Capital Gurukul

Safeguarding Wealth from Geopolitical Risks

Geopolitical risks have wiped out nearly $15 trillion in global market capitalization during the last two decades, with events like the Russia-Ukraine war, U.S.-China trade tensions, Middle East conflicts, and currency fluctuations driving massive volatility. As per IMF, nearly 60% of global investors admitted they faced losses due to poor preparation against such shocks. This makes Safeguarding Wealth from Geopolitical Risks not just an option, but a must-do strategy. Whether you’re investing in equities, bonds,… Read More »Safeguarding Wealth from Geopolitical Risks

Family Trust vs Will—Which is Better?

When comparing Family Trust vs Will, studies show that over 65% of HNIs in India prefer Family Trusts for smoother wealth transfer, asset protection, and tax efficiency, while Wills remain common for simpler estates (used by nearly 80% of middle-class households). A Family Trust offers better control, confidentiality, and reduced probate delays, whereas a Will is cost-effective but can face legal disputes and tax burdens. For HNIs and UHNWIs, data clearly suggests a Family Trust… Read More »Family Trust vs Will—Which is Better?

How to Manage Personal Finance: A Complete Guide for Smart Wealth Growth

Managing Personal Finance effectively is not just about saving money but about allocating assets strategically across diverse investment avenues. Data shows that over 70% of Indian investors underperform inflation due to poor diversification. High-net-worth investors (HNIs) increasingly adopt MLDs (Market Linked Debentures), NCDs (Non-Convertible Debentures), AIFs (Alternative Investment Funds), and PMS (Portfolio Management Services) to ensure consistent returns and risk-adjusted growth. These instruments not only provide wealth preservation but also optimize tax efficiency and enhance… Read More »How to Manage Personal Finance: A Complete Guide for Smart Wealth Growth

Asset Protection Strategies for HNIs

Asset protection strategies for HNIs are essential because ultra-wealthy individuals face higher risks of litigation, taxation, and wealth erosion. According to global wealth reports, over 68% of HNIs use structured asset protection tools to safeguard capital. Common strategies include trusts, offshore accounts, succession planning, and diversification into low-correlation assets. In India, many HNIs increasingly use PMS (Portfolio Management Services), AIFs (Alternative Investment Funds), NCDs (Non-Convertible Debentures), and MLDs (Market-Linked Debentures) as structured wealth vehicles offering… Read More »Asset Protection Strategies for HNIs

What is PMS in Stock Market? Your Complete Guide to Smarter Investments

Portfolio Management Services (PMS) in the stock market are specialized investment solutions designed for high-net-worth individuals (HNIs) seeking personalized strategies. With SEBI-registered PMS providers, investors can access professionally managed portfolios across equities, debt, and hybrid assets, offering customization, risk-adjusted returns, and transparency. PMS has shown average returns of 12–18% annually over the past decade, often outperforming mutual funds due to active management and tailored asset allocation. It allows direct ownership of securities, regular reporting, and… Read More »What is PMS in Stock Market? Your Complete Guide to Smarter Investments