Before you commit ₹50L, ₹1Cr or more, get the product decoded by someone who earns nothing from it.
An independent second opinion on the PMS, AIF or SIF you’re being pitched — covering strategy, risk, fees, liquidity, tax impact, manager quality and portfolio suitability before you sign.
Most PMS & AIF pitches show you returns. They hide the risk.
The deck is polished, the past returns look great, and the urgency is real. But the things that actually decide your outcome rarely make the pitch.
Returns Hide Risk
Past performance is visible; drawdown, downside behaviour and dispersion are not.
Fees Are Understood Too Late
Management fee, profit share, hurdle, exit load and tax drag change the real return.
Liquidity Gets Ignored
Lock-ins, gates, redemption windows and notice periods matter when capital is stuck.
Manager Risk Is Underchecked
Team stability, AUM growth, style drift and repeatability often go unquestioned.
The Grivaa 6-Lens Product Decode.
Six structured lenses on every product before a rupee moves — the same rigour an investment committee would demand before deploying its own capital.
Strategy Engine
What does the product actually do — and is the edge genuine and repeatable?
Risk Behaviour
How does it behave in bad markets — volatility, worst-case drawdown and concentration?
Fee Drag
What is the true, all-in cost over a full cycle — translated into your real return haircut?
Liquidity Reality
When can you actually exit — lock-ins, gates, redemption windows and notice periods?
Manager Quality
Who is running it, whose track record it really is, and is the edge repeatable across cycles?
Portfolio Fit
Does it suit your capital, goals and risk appetite — or only the seller’s target?
A due-diligence scorecard you can hold in your hand.
No vague reassurance — a written verdict against hard questions, each rated and explained in plain language.
What changes after a real second opinion?
Same product, same pitch — a very different decision, because the frame shifts from past returns to risk-adjusted suitability, and from the seller’s urgency to your terms.
Without a second opinion
- The pitch deck decides the decision
- Focus stays on past returns
- Fees understood after signing
- Exit terms ignored until needed
- Product seller controls the frame
With a Grivaa second opinion
- Independent analysis checks the pitch
- Focus shifts to risk-adjusted suitability
- True cost decoded upfront
- Liquidity mapped before signing
- You control the decision
An independent review before you commit serious capital.
A distributor earns when you buy. A bank RM earns when you buy. Our role is to review the product, not place you into it — an opinion not influenced by product distribution.
Abhishek Aggarwal, CFPCM
Reviews PMS, AIF and SIF products from a seat with nothing to sell — advising across Indian & US equities, mutual funds and private markets, with personal capital deployed in the same markets.
Who this is for
- HNIs being pitched a PMS/AIF/SIF
- Investors comparing two or more products
- Existing PMS/AIF investors unhappy with performance
- Family offices needing an independent review
- Founders deploying liquidity after an exit
- NRIs evaluating Indian PMS/AIFs
Not a fit
- Anyone looking for stock tips
- Anyone wanting guaranteed returns
- Anyone seeking free product selection
- Traders and short-term speculators
- Anyone unwilling to share documents for review
Being pitched? Send the deck. Already invested? Get it reviewed.
Tell us what you’re being pitched or what you already hold. We’ll set up a confidential review — no onboarding, no commission, just a clear verdict.
Do you sell PMS or AIF products?
I’m already in an underperforming PMS. Can you still help?
Is this investment advice or a sales pitch?
What do you need from me to start?
Don’t let a pitch deck make a ₹1 crore decision for you.
Send the PMS, AIF or SIF you’re considering — get an independent, written second opinion on strategy, risk, fees, liquidity and suitability before you sign.