Neo Wealth

Neo Group is a new-age, full-stack wealth and asset management platform focused on providing unbiased, transparent, and cost-efficient financial solutions to high-net-worth individuals (HNIs), ultra-high-net-worth individuals (UHNIs), multi-family offices, global institutional investors, and affluent retail clients. Operating across three integrated business verticals—wealth management, asset management, and risk management—the company combines deep investing knowledge, advanced technology-driven processes, and institutional governance to deliver comprehensive financial solutions aligned with long-term wealth preservation and generational prosperity. As of March 2025, the company manages ₹40,000 crore ($4.8 billion) across platforms with ₹11,500 crore in asset management alone, equity capital of ₹2,000 crore, and 600+ employees pan-India, positioning itself as a premium alternative to traditional banking-centric wealth management solutions.

Core Products and Services

• Comprehensive Wealth Management Advisory: Full-stack advisory services spanning financial planning, investment strategy, tax planning, insurance planning (life, health, non-life), cash flow management, and goal-based wealth structuring. Advisory process follows a structured 6-step methodology: understanding client needs, gathering financial information, analyzing current situation, developing customized recommendations, implementation, and periodic monitoring with course corrections.

• Investment Advisory Across Asset Classes: Curated investment recommendations spanning commodities, precious metals (gold, silver), currency derivatives, bonds, stocks, stock indices, futures trading, mutual funds, and exchange-traded funds (ETFs). Investment recommendations leverage robo-advisory AI algorithms combined with deep fundamental research and market trend analysis.

• Robo-Advisory Platform: AI-powered investment recommendation engine utilizing advanced machine learning algorithms and financial technology to provide customized investment allocations based on individual risk profiles, time horizons, financial goals, and market conditions. Robo-advisory tools incorporate proprietary investment research and trend analysis to optimize portfolio construction.

• Insurance Planning and Solutions: Comprehensive insurance advisory covering life insurance, health insurance, and non-life insurance products. Services include product selection, coverage gap analysis, premium optimization, and claims support across all major insurance companies.

• Tax Planning and Optimization: Strategic tax planning services minimizing tax liabilities through optimization of investment timing, asset allocation, entity structuring, and utilization of tax-efficient investment vehicles aligned with individual income profiles and financial objectives.

• Trust and Legacy Planning: Multi-generational wealth structuring services leveraging trusts, succession planning, estate planning, and legacy solutions enabling intergenerational wealth transfer with optimized tax efficiency and family governance.

• Private Credit and Alternative Investments: Access to institutional-grade alternative asset management through Neo Asset Management division, providing exposure to private credit, real assets (roads, solar plants, infrastructure), and private equity opportunities targeting institutional investors and HNIs.

• Multi-Family Office Services: Integrated family office solutions for ultra-high-net-worth families managing complex financial needs across multiple asset classes, family governance, philanthropy, and legacy planning with dedicated relationship management.

• Bespoke Wealth Solutions: Customized advisory tailored to unique client circumstances including business succession planning, concentrated position management, founder wealth diversification, and specialized investment strategies.

• Risk Management Services: Comprehensive risk assessment and mitigation strategies protecting wealth across market volatility, liability exposure, and life contingencies through diversified portfolio construction and insurance solutions.

Business Model and Revenue Streams

• Advisory Fee on Assets Under Advice (AUA): Primary revenue model earning monthly/quarterly advisory fees from clients based on asset size and complexity of recommendations. Monthly advisory fee structure ($40,000 AUA across platforms) aligns incentives with wealth preservation and growth rather than product-pushing. Partnership model enables relationship managers to retain 50-60% of advisory revenue generated from client relationships, creating alignment and attracting top-tier bankers from competing institutions.

• Mutual Fund and Investment Product Distribution: Revenue through mutual fund distributor commissions and investment product sales (stocks, bonds, commodities, derivatives). Distribution revenue complements advisory fees while providing diverse monetization touchpoints across client portfolios.

• Insurance Broking Commissions: Insurance advisory revenue through partnerships with major insurance companies earning commissions on life insurance, health insurance, and non-life insurance placements recommended to clients.

• Alternative Asset Management Fees: Asset management fees from Neo Asset Management vertical managing private credit, real assets, and private equity portfolios. Management fees typically range 1-2% of AUM with performance-linked incentive fees, generating scalable recurring revenue from institutional investor relationships.

• Trust and Structuring Fees: Advisory fees for trust creation, estate planning, and family governance services providing recurring revenue from complex multi-family office engagements. Trust administration generates ongoing fees as structures mature and require periodic reviews/adjustments.

• Performance-Based Incentive Fees: Tiered performance fees aligned with investment returns enabling wealth managers to capture upside as client portfolios appreciate. Performance-based compensation creates partnership mentality with clients and differentiates fee structure from asset-heavy traditional banks.

• Global Institutional Investor Relationships: Revenue from managing capital for global pension funds, insurance companies, endowments, and sovereign wealth funds seeking India exposure. Institutional relationships generate larger portfolio sizes and predictable recurring fees justifying premium positioning.