Lumsip Investments
We work for your wealth, so it can work for you.
Disciplined, research-driven portfolio management for Indian families and professionals — built on process, not predictions. From your first SIP to your retirement corpus, we manage the journey end to end.
Wealth is built by process, protected by discipline.
Lumsip was founded on a simple observation: most investors don't lack opportunities — they lack a system. Returns are lost not to bad markets, but to unplanned decisions, product-pushing intermediaries and portfolios that were never designed around a goal.
Every recommendation at Lumsip starts with you, not a product. We map your goals, time horizons and honest risk appetite first, then select from the full universe of fund houses and categories — choosing only what fits your situation. If a product doesn't suit you, it doesn't get recommended, however popular it may be.
Our team combines quantitative research, tax-aware planning and old-fashioned patience to build portfolios you can actually live with — through corrections, elections and everything in between.
Your situation decides
Recommendations are matched to your goals, horizon and risk profile — selected on merit from across all fund houses and categories.
Research over noise
Allocations driven by data, valuations and risk models — not television tips or market forecasts.
You see everything
Every holding, every rationale and every change documented in a quarterly review you can question.
One relationship, every layer of your financial life.
Whether you're starting your first SIP or restructuring a multi-crore portfolio, our services scale with you.
Portfolio Management
Goal-based asset allocation across equity, debt and gold — rebalanced systematically, monitored continuously, reported quarterly.
Retirement Planning
A clear number for your retirement corpus, and a year-by-year glide path to reach it — with NPS, EPF and equity working together.
Risk & Insurance Review
Right-sized term and health cover, and an honest audit of the policies you already hold — including the ones you should exit.
Tax-Efficient Investing
Structuring gains, harvesting losses and choosing the right wrappers so more of your return stays yours.
Children's Goals
Education and milestone funds that mature exactly when you need them — planned in today's rupees, protected against inflation.
NRI & Estate Advisory
Cross-border investing, repatriation planning, nominations and wills — so wealth transfers as smoothly as it was built.
A process you can see, question and trust.
Every engagement follows the same four stages — because good outcomes come from repeatable process, not improvisation.
Discover
A structured conversation about your goals, income, obligations and honest risk appetite — before a single product is discussed.
Design
A written financial plan with target allocations, product choices and the reasoning behind each — yours to keep either way.
Deploy
Staggered, tax-aware execution. Lump sums are phased in; existing holdings are migrated without unnecessary churn.
Review
Quarterly reviews, annual rebalancing and course corrections when your life changes — not when headlines do.
Trusted by families across India.
"For the first time, I can explain my own portfolio. Every rupee has a purpose and a timeline."
"They told us to invest more during the 2025 correction. That one piece of guidance saved us from selling at the bottom — and instead helped us make money in the recovery."
"Moving back from the US felt financially overwhelming. They handled the repatriation, taxes and reinvestment end to end."
Let's talk about your money — properly.
The first conversation is free, unhurried and jargon-free. Tell us where you are; we'll tell you honestly whether we can help.
+91 98863 16649
Mon–Sat · 10:00–18:00 IST
Bengaluru, India