Invest on your own, not alone.

A fee-only adviser for people who already invest in funds and shares.

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You asked

Is my mix right for my goals?

Blacklitt

Your large-company share sits above your plan.

Sample portfolio · For illustration only

The problem

Execution is solved.
Advice is not.

Anyone can buy a fund or a share in seconds. Sound advice has not kept up.

Fee-only

Paid by you.
Only by you.

We earn no commission on any fund or share we suggest.

How we get paid

Your broker~~Advice shaped by the fund houses and companies that pay them~~BlacklittUnbiased advice for you
Your broker~~Hold and move your money~~BlacklittYou keep your money
Your broker~~The broker holds the reins~~BlacklittYou hold the reins

*Blacklitt never holds or moves your money. No commission from any fund house or company.

What we advise on

Funds for the foundation.

Businesses to own, not shares to trade.

OG Funds · The foundation

Four fund portfolios, matched to your risk and built to be held.

Risk level

Target mix

Equity 75%Debt 15%Gold 10%

Trekker · OG Portfolio

Meridian Flexi Cap Fund Direct Growth

Equity · Flexi Cap Fund

₹75,000

Harbour Short Duration Fund Direct Growth

Debt · Short Duration Fund

₹15,000

Aurum Gold Savings Fund Direct Growth

Commodity · Gold

₹10,000

Sample basket of fictional funds. The securities quoted are for illustration only and are not recommendatory.

Illustrative mix. Your portfolio is matched after a short risk profile in the app.

OG Stocks · The conviction

Quality Indian businesses, chosen for long shifts and held for years.

Why we own it

NNORTHWINDNorthwind Living Ltd.

Northwind Living Ltd. sells to households upgrading how they live.

Part of the rising-middle-class theme
Ten years of steady, self-funded growth
Among the larger brands in its category

Sample note on a fictional company. The securities quoted are for illustration only and are not recommendatory.

How it works

01 · See
We read every fund and share you own.
Bring in your holdings once. We show where your mix has drifted from your plan.
Sample holdings · bar = now, copper tick = plan
02 · Plan
We set a plan for your goals and your risk.
A few questions on goals and risk come first. Then the plan.
Add · 2% of your portfolio
N
NORTHWINDNorthwind Living Ltd.
₹1,37,039104 shares @ ₹1,317.68
Sample holdings. The securities quoted are for illustration only and are not recommendatory.
03 · Hold
We rebalance when your mix drifts, not when headlines do.
No change for the sake of change. Each suggestion says why.
Sample holdings · bar = now, copper tick = plan, shaded = sample rebalancing range

9:41

Portfolio Health

PortfolioSIPs

Allocation8.7/10Against your Trekker plan

Category Sectors Yours Plan

Large Cap7.8% over

43.8% / 36.0%

Mid Cap2.0% under

16.0% / 18.0%

Small Cap3.2% under

9.8% / 13.0%

International2.4% under

5.6% / 8.0%

Debt + GoldWithin plan

24.8% / 25.0%

9:41

Your Plan

What’s changing

Move ₹1,37,118 (2% of your portfolio) into NORTHWIND

REDUCE

EASTGATEEastgate Bank Ltd.

₹1,36,499193 shares @ ₹707.25

ADD

NORTHWINDNorthwind Living Ltd.

₹1,37,039104 shares @ ₹1,317.68

WhyLarge Cap sits 7.8% above your plan and Mid Cap 2.0% below. This change moves 2% across.

9:41

Rebalance check

This month Range

Equity6.2% over plan

81.2% / 75.0%

DebtWithin plan

11.9% / 15.0%

GoldWithin plan

6.9% / 10.0%

One part of your mix has moved outside its range. We suggest one change, and say why.

See the change

Large Cap7.8% over

43.8% / 36.0%

Mid Cap2.0% under

16.0% / 18.0%

Add · 2% of your portfolio

NORTHWINDNorthwind Living Ltd.

₹1,37,039104 shares @ ₹1,317.68

Rebalance check · This month

Equity6.2% over plan

81.2% / 75.0%

Outside its range. One change suggested, with the reason.

Sample holdings · bar = now, copper tick = plan

Sample holdings. The securities quoted are for illustration only and are not recommendatory.

Sample holdings · bar = now, copper tick = plan, shaded = sample rebalancing range

How we think

We give every suggestion a reason you can read.

Why we own it · Advice note
This business sells to households upgrading how they live. That is our rising-middle-class theme.
3 written reasons
Research · Before we suggest
We read the numbers behind a business before it reaches your plan.
Numbers first
Position size · Your plan
We sized this holding to your whole portfolio and your risk, not to a hunch.
2% of portfolio
Tax check · Before any switch
We checked exit loads and capital-gains tax before suggesting a switch.
0 exit loads
Review · Every year
We revisit your goals and risk once a year, or sooner if your life changes.
12 months
Hold · This month
Markets fell this month. Your mix is still within plan, so we suggest no change.
0 changes

Sample Portfolio. For illustration purpose only

Who we are

We built for our families what institutions already had.

We spent years building multi-asset portfolios for large global institutions. Then we saw our own families investing with no one in their corner, so we built Blacklitt.

Rachit Tripathi
Co-founder & CEO
Former Portfolio Manager, Goldman Sachs Multi Asset Solutions, New York. Previously HSBC, Bangalore.
MFE, UC Berkeley · PGDBA, IIM Calcutta · B.Tech, IIT Kanpur
LinkedIn (opens in a new tab)
Keshav Sehgal
Co-founder & CTO
Former Quantitative Strategist, Goldman Sachs Multi Asset Solutions, for 8+ years.
PGDBA, IIM Calcutta · B.Tech, IIT Roorkee
LinkedIn (opens in a new tab)

Questions

How do you get paid?

Only by your subscription fee. We take no commission from any fund house, broker or company we suggest.

Where is my money held?

In your own name, with your broker, depository and fund houses. Blacklitt gives advice; we never hold or move your money.

Do you give tips or trading calls?

No. No intraday, no F&O, no price targets. We advise on portfolios you hold for years.

What does SEBI registration mean for me?

We are registered with SEBI as an Investment Adviser (INA000022428), must act in your interest and must keep records of our advice. Registration does not guarantee returns.

Can I speak to someone?

Yes. Write to rachit@blacklitt.com, or book a 30-minute call with us.

Book a call

Get started

Wealth is a climb,
not a jump.

Get the app, bring in your portfolio, and see where it stands.

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Prefer to talk first? Book a call

Investment in securities market are subject to market risks. Read all the related documents carefully before investing.

Invest on your own, not alone.

Execution is solved.
Advice is not.

Paid by you.
Only by you.

Funds for the foundation.

Businesses to own, not shares to trade.

Four fund portfolios, matched to your risk and built to be held.

Quality Indian businesses, chosen for long shifts and held for years.

We read every fund and share you own.

We set a plan for your goals and your risk.

We rebalance when your mix drifts, not when headlines do.

We give every suggestion a reason you can read.

We built for our families what institutions already had.

Rachit Tripathi