Apta Investment Advisors

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Investment Philosophy

Pricing & Engagement model

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Wealth Management for those who want more from their wealth

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FINANCIAL ADVICE YOU CAN TRUST

SEBI REGISTERED INVESTMENT ADVISOR
Reg no - INA000019071

UNMATCHED INVESTMENT EXPERTISE
MBA from IIM Bangalore. 15 years in Investment Management

CLIENT FOCUSED
ZERO PRODUCT SELLING
ZERO COMMISIONS/SALES TARGETS
ZERO CONFLICT OF INTEREST

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IT IS TIME YOU HAVE YOUR OWN CHIEF INVESTMENT OFFICER

I have been the Fund manager of a Mutual Fund, and the CIO of an Insurance company. I know what it takes

Let me be the CIO of your family

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WITH YOU AT EVERY STAGE OF YOUR LIFE

FINANCIAL PLANNING

RETIREMENT PLANNING

INVESTMENT MANAGEMENT

GUIDANCE ON INSURANCE AND ESTATE PLANNING

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EMPOWERING YOU TO SIMPLIFY, PROTECT, & GROW YOUR WEALTH

Growing your wealth with simple, diversified and low cost options, so you don't worry about market fluctuations

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THERE IS A BETTER WAY

Actively Managed Funds consistently underperform the benchmark

Choosing Funds on past performance is dangerous

The existing commision based approach makes it worse

Time to say goodbye to the old way! Say hello to the RIGHT way!

Read about our Plans and Pricing

As of Dec 2023
85% of Large Cap funds Underperform the Benchmark over a 5 year period, and the asset weighted UNDERPERFORMANCE is 1.55%

58% of Mid Cap funds Underperform the Benchmark over a 5 year period. The asset weighted UNDERPERFORMANCE is 1.03%⁶

Globally, passively managed products have had a long successful history
In 2024, total assets in US passive strategies overtook those in active ones for the first time¹
The top 2 Asset Managers in the world are both passive (BlackRock and Vanguard)²
But somehow, this global trend has escaped India. The share of passively managed funds in the total AUM is only ~13%³, and for retail investors, only ~2%⁴
Is the faith justified, or misguided?
The good folks at S&P Indices release a report every year, the SPIVA Scorecard. We looked at the data from 2013, and here are the results⁵

As of	1 Year	3 Year	5 Year	10 Year
% of Large cap funds BELOW the benchmark
2013	79	67	69
2014	24	58	53
2015	36	47	57
2016	66	31	55	55
2017	59	53	43	54
2018	92	91	58	64
2019	40	84	82	65
2020	81	88	88	68
2021	50	70	82	68
2022	88	97	94	68
2023	52	88	86	62

As of	1 Year	3 Year	5 Year	10 Year
% of Mid cap funds BELOW the benchmark
2013	22	35	42
2014	11	22	36
2015	58	18	38
2016	71	49	42	46
2017	72	80	44	44
2018	26	57	40	55
2019	28	37	41	45
2020	67	35	54	36
2021	50	47	58	56
2022	55	58	45	50
2023	74	60	58	75

As of	1 Year	3 Year	5 Year	10 Year
OUTPERFORMANCE of the Average Large Cap Fund (Negative means UNDERPERFORMANCE)
2013	-4.25	-1.93	-2.60
2014	8.17	-0.21	0.00
2015	1.30	1.34	0.44
2016	-0.53	3.33	0.75	-0.36
2017	-1.01	-0.03	0.69	-0.63
2018	-5.81	-2.74	0.17	-1.00
2019	0.55	-2.08	-0.86	-0.09
2020	-3.17	-2.89	-1.92	-0.35
2021	-0.23	-1.00	-1.97	-0.60
2022	-4.02	-2.39	-2.49	-0.62
2023	0.34	-1.34	-1.25	-0.30

As of	1 Year	3 Year	5 Year	10 Year
OUTPERFORMANCE of the Average Mid Cap Fund (Negative means UNDERPERFORMANCE)
2013	5.86	4.46	0.77
2014	27.66	5.95	4.97
2015	-0.11	7.58	6.10
2016	-4.38	1.61	2.66	2.64
2017	-3.34	-2.38	2.27	2.26
2018	2.07	-1.13	0.61	0.65
2019	3.07	0.60	0.26	2.85
2020	0.67	2.33	0.47	3.23
2021	1.60	1.95	0.79	1.92
2022	-0.53	1.03	2.49	2.31
2023	-5.13	-1.14	0.71	0.93

As of	1 Year	3 Year	5 Year	10 Year
OUTPERFORMANCE of the AUM Weighted Large Cap Fund (Negative means UNDERPERFORMANCE)
2013
2014
2015	0.37	2.17	1.48
2016	0.75	3.51	1.13	0.16
2017	-1.17	-0.12	0.98	0.24
2018	0.06	-2.03	0.61	-0.28
2019	-1.86	-2.75	-1.30	0.27
2020	-3.56	-3.44	-2.18	-0.24
2021	0.57	-1.60	-2.25	-0.44
2022	-3.03	-3.92	-2.58	-0.56
2023	0.12	-0.77	-1.55	-0.27

As of	1 Year	3 Year	5 Year	10 Year
OUTPERFORMANCE of the AUM Weighted Mid Cap Fund (Negative means UNDERPERFORMANCE)
2013
2014
2015	-0.39	6.71	6.24
2016	-3.87	0.74	2.08	3.63
2017	-5.74	-3.06	1.27	2.38
2018	3.07	-1.27	-0.10	0.91
2019	2.21	-0.17	-0.33	2.59
2020	-4.40	0.83	-0.85	2.41
2021	-2.51	-1.22	-1.35	1.15
2022	1.36	-1.38	0.95	1.14
2023	-5.26	-1.77	-1.03	-0.34

References

Morningstar report - It’s Official: Passive Funds Overtake Active Funds Link

Wikipedia - List of asset management firms Link

AMFIIndia - Industry Trends as on May 2024 Link

AMFIIndia - Individual Investors as on May 2024 Link

Annual SPIVA India Year End reports from 2013 till 2023
2013 report - Link
2014 report - Link
2015 report - Link
2016 report - Link
2017 report - Link
2018 report - Link
2019 report - Link
2020 report - Link
2021 report - Link
2022 report - Link
2023 report - Link

SPIVA India Year End Report 2023Link

Grievance Redressal/Escalation Matrix

Details of Designation	Contact Person Name	Address where the physical address location	Contact Number	Email ID	Working Hours when the complainant can call
Customer Care	Dhilip Krishna	S2, Sri Venkadam, No 889 Munusamy Salai KK Nagar Chennai - 600078	9769497239	[email protected]; [email protected]	Monday to Friday; 9:00 AM to 6:00 PM IST
Head of Customer Care	Dhilip Krishna	S2, Sri Venkadam, No 889 Munusamy Salai KK Nagar Chennai - 600078	9769497239	[email protected]; [email protected]	Monday to Friday; 9:00 AM to 6:00 PM IST
Compliance Officer	Dhilip Krishna	S2, Sri Venkadam, No 889 Munusamy Salai KK Nagar Chennai - 600078	9769497239	[email protected]; [email protected]	Monday to Friday; 9:00 AM to 6:00 PM IST
CEO	Dhilip Krishna	S2, Sri Venkadam, No 889 Munusamy Salai KK Nagar Chennai - 600078	9769497239	[email protected]; [email protected]	Monday to Friday; 9:00 AM to 6:00 PM IST
Principal Officer	Dhilip Krishna	S2, Sri Venkadam, No 889 Munusamy Salai KK Nagar Chennai - 600078	9769497239	[email protected]; [email protected]	Monday to Friday; 9:00 AM to 6:00 PM IST

Disclaimer:

Registration granted by SEBI, membership of BSE Administration and Supervision Limited (BASL) and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the Investment Adviser or provide any assurance of returns to investors
Investment in securities market are subject to market risks. Read all the related documents carefully before investing
No investment advice will be provided during the introductory audio call i.e. any informal introductory discussion during the introductory audio call is not investment advice
Due to SEBI’s Advertisement Code for Investment Advisers, any Investment Advice that the Investment Adviser sends to the Client is only for consumption by the Client and such material should not be redistributed

Data for the previous month

Sr. No.	Received from	Pending at the end of last month	Received	Resolved	Total Pending	Pending complaints > 3months	Average Resolution time (in days)	Reason
1	Directly from Investors	0	0	0	0	0	N/A	N/A
2	SEBI (SCORES)	0	0	0	0	0	N/A	N/A
3	Other Sources (if any)	0	0	0	0	0	N/A	N/A
	Grand Total	0	0	0	0	0	N/A	N/A

Trend of monthly disposal of complaints

Sr. No.	Month	Carried forward from previous month	Received	Resolved	Pending	Reason
1	Month before the previous month	0	0	0	0	N/A
2	Previous month	0	0	0	0	N/A
	Grand Total	0	0	0	0	N/A

Trend of annual disposal of complaints

Sr. No.	Month	Carried forward from previous year	Received	Resolved	Pending	Reason
1	Previous Financial Yea	0	0	0	0	N/A
2	Current Financial Year	0	0	0	0	N/A
	Grand Total	0	0	0	0	N/A

Compliance Audit Status: Registration obtained this year. Audit to be done later

SEBI requirement on information to be provided:

Complete name of Investment Adviser: Dhilip Krishna S S, Proprietor of Apta Investment Advisors
Type of Registration: Individual
Registration number: INA000019071
Validity of registration: Perpetual starting from Apr 30, 2024
Correspondence Address: S2, Sri Venkadam, No 889, Munusami Salai, KK Nagar, Chennai 600078
Correspondence Email address: [email protected] (Note: In case of any complaint by a client, the complaint should be sent to this email address)
Phone Number only for statutory purposes: +919769497239 (Note: This phone number is provided only for statutory purposes and is not for business enquiries by potential clients and others; Please use the email address for business enquiries; For regulatory reasons only, if you are unable to send an email, only in that case, send a WhatsApp message on this number and provide a few business days to check the WhatsApp message)
Corresponding SEBI regional/local office address: 2nd Floor, Jeevan Mangal Building, No.4, Residency Road, Bengaluru - 560025, Karnataka
Link to SEBI's SCORES website and mobile app on Android
SEBI's Online Dispute Resolution (ODR): ODR website and information about ODR

SEBI's Investor Charter in respect of Investment Advisers (IAs)

A. Vision and Mission Statements for investors
- Vision: Invest with knowledge & safety.
- Mission: Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.
B. Details of business transacted by the Investment Adviser with respect to the investors
- To enter into an agreement with the client providing all details including fee details, aspect of Conflict of interest disclosure and maintaining confidentiality of information.
- To do a proper and unbiased risk – profiling and suitability assessment of the client.
- To obtain registration with Know Your Client Registration Agency (KRA) and Central Know Your Customer Registry (CKYC).
- To conduct audit annually.
- To disclose the status of complaints in its website.
- To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI regional/local Office details in its website.
- To employ only qualified and certified employees.
- To deal with clients only from official number
- To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.
C. Details of services provided to investors (No Indicative Timelines)
- Onboarding of Clients
  - Sharing of agreement copy
  - Completing KYC of clients
- Disclosure to Clients
  - To provide full disclosure about its business, affiliations, compensation in the agreement.
  - To not access client’s accounts or holdings for offering advice.
  - To disclose the risk profile to the client.
- To provide investment advice to the client based on the risk-profiling of the clients and suitability of the client.
D. Details of grievance redressal mechanism and how to access it
- 1. In case of any grievance / complaint, an investor should approach the concerned Investment Adviser and shall ensure that the grievance is resolved within 30 days.
- 2. If the investor’s complaint is not redressed satisfactorily, one may lodge a complaint with SEBI on SEBI’s 'SCORES' portal which is a centralized web based complaints redressal system. SEBI takes up the complaints registered via SCORES with the concerned intermediary for timely redressal. SCORES facilitates tracking the status of the complaint.
- 3. With regard to physical complaints, investors may send their complaints to: Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, ‘G’ Block, Bandra-Kurla Complex, Bandra (E), Mumbai - 400 051.
E. Expectations from the investors (Responsibilities of investors)
- Do’s
  - i. Always deal with SEBI registered Investment Advisers.
  - ii. Ensure that the Investment Adviser has a valid registration certificate.
  - iii. Check for SEBI registration number. (Please refer to the list of all SEBI registered Investment Advisers which is
    available on SEBI website in the following link: https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13 )
  - iv. Pay only advisory fees to your Investment Adviser. Make payments of advisory fees through banking channels only and maintain duly signed receipts mentioning the details of your payments.
  - v. Always ask for your risk profiling before accepting investment advice. Insist that Investment Adviser provides advisory strictly on the basis of your risk profiling and take into account available investment alternatives.
  - vi. Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
  - vii. Assess the risk–return profile of the investment as well as the liquidity and safety aspects before making investments.
  - viii. Insist on getting the terms and conditions in writing duly signed and stamped. Read these terms and conditions carefully particularly regarding advisory fees, advisory plans, category of recommendations etc. before dealing with any Investment Adviser.
  - ix. Be vigilant in your transactions.
  - x. Approach the appropriate authorities for redressal of your doubts / grievances.
  - xi. Inform SEBI about Investment Advisers offering assured or guaranteed returns.
- Don’ts
  - xii. Don’t fall for stock tips offered under the pretext of investment advice.
  - xiii. Do not provide funds for investment to the Investment Adviser.
  - xiv. Don’t fall for the promise of indicative or exorbitant or assured returns by the Investment Advisers. Don’t let greed overcome rational investment decisions.
  - xv. Don’t fall prey to luring advertisements or market rumors.
  - xvi. Avoid doing transactions only on the basis of phone calls or messages from any Investment adviser or its representatives.
  - xvii. Don’t take decisions just because of repeated messages and calls by Investment Advisers.
  - xviii. Do not fall prey to limited period discount or other incentive, gifts, etc. offered by Investment advisers.
  - xix. Don’t rush into making investments that do not match your risk taking appetite and investment goals.
  - xx. Do not share login credential and password of your trading and demat accounts with the Investment Adviser.