This document outlines the investment philosophy, due-diligence process, and instrument evaluation criteria applied by this investor prior to any financial engagement. Institutions are selected — not accepted.
This investor is converting agricultural land proceeds into a structured, income-generating portfolio. The mandate is clear: capital preservation first, stable monthly income second, growth third.
Every engagement follows a disciplined sequence. No funds are committed until each stage is independently verified and documented.
Portfolio is diversified across seven instrument categories. Allocations are shown as portfolio ratios — specific amounts are not disclosed in this document.
Every institution that seeks to manage a portion of this portfolio is assessed against these criteria. Relationship length is not a factor. Product merit is the only factor.
This investor is aware of — and has planned mitigations for — the following risk categories.
Maturity laddering across 1, 3, 5, 10, 15 and 20-year horizons ensures that not all capital reprices simultaneously when rates change.
Annual withdrawal rate review with certified financial planner. Partial allocation to instruments with indexation benefits (debt funds) provides natural hedge.
No single institution holds more than DICGC limit per instrument. Portfolio spreads across minimum 9 banks, 5 AMCs, and 5 bond issuers.
Conservative withdrawal rate preserves principal. Retained land assets continue to appreciate independently. Surplus income is reinvested, not consumed.
This investor is familiar with the grievance and oversight bodies governing every instrument in this portfolio.