StackWealth

Stack Wealth is a technology-enabled wealth management platform leveraging algorithmic portfolio construction and expert investment advisory to democratize premium, multi-asset wealth-building strategies previously accessible only to ultra-high-net-worth individuals. Operating as a SEBI-registered investment advisory platform powered by AI and behavioral finance, Stack Wealth combines Nobel Prize-winning portfolio optimization algorithms with 25+ years of collective expertise managing over ₹10,000 crore across 100,000+ investor relationships. Backed by Y Combinator (S21 batch) and elite venture investors including Harvard Management Company, Goodwater Capital, and prominent founders (Kunal Shah/CRED, Tanuj Shori/Squareyards), the company serves 100,000+ registered clients seeking goal-based wealth creation with simplified, transparent, expert-guided investment strategies.

Core Products and Services

• Personalized Mutual Fund Portfolios (Flagship): AI-driven algorithm-based stable, well-diversified portfolios optimized for long-term wealth creation leveraging large-cap equities, debt instruments, and low-risk assets. Flagship portfolios address core wealth-building objectives for conservative-to-moderate risk investors seeking steady appreciation with reduced volatility.

• High-Growth Investment Baskets (Opportunities): Tactical, actively-managed portfolios targeting short-term to medium-term high-growth stock picks across small-cap and mid-cap segments. Expert-curated research identifies undervalued opportunities and emerging sector themes capturing growth premiums for growth-oriented investors.

• Momentum-Based Dynamic Portfolios: Dynamic portfolio strategy riding trending stocks with strong upward price momentum and technical indicators. Momentum portfolios capitalize on behavioral finance trends and market sentiment shifts for investors seeking tactical allocation opportunities.

• Multi-Asset Class Investing: Diversified investment access spanning equity (Indian and US stocks), debt instruments, gold funds, precious metals, real estate, private credit offerings, and non-convertible debentures (NCDs). Multi-asset approach reduces single-asset-class concentration risk while capturing different return profiles across market cycles.

• Portfolio Management Services (PMS): High-return professionally-managed PMS portfolios for investors seeking delegated management with enhanced return potential. PMS offerings provide access to proprietary investment strategies previously limited to institutional and HNI investors.

• Goal-Based Financial Planning: Behavioral finance-informed financial planning framework enabling investors to define objectives (early retirement, home purchase, education funding, wealth accumulation), establish investment horizons, and align portfolio construction to specific life goals with quantified milestones.

• Dedicated Wealth Manager Advisory: 24/7 access to SEBI-registered investment advisors and wealth managers providing personalized investment recommendations, goal-based strategy guidance, rebalancing advice, and real-time portfolio optimization. Dedicated relationship management supports both initial setup and ongoing portfolio evolution.

• Arth AI - Personalized Financial CFO: AI-powered intelligent advisory engine serving as personal Chief Financial Officer, offering customized financial insights, sophisticated portfolio strategies, algorithmic rebalancing suggestions, and behavioral finance-driven decision-making support.

• Comprehensive Portfolio Reviews and Rebalancing: Regular portfolio assessment and rebalancing aligned with market condition shifts, goal progress, and risk profile changes. Systematic rebalancing identifies underperforming assets and recommends alternatives optimizing return potential while maintaining target asset allocation.

• CAS (Consolidated Account Statement) Portfolio Analysis: Consolidated portfolio review integrating external and Stack Wealth holdings, identifying gaps, overlaps, and optimization opportunities across fragmented investment accounts.

• Investment Education and Masterclasses: Educational content spanning investment fundamentals, behavioral finance principles, sector analysis, market trend interpretation, and wealth-building strategies empowering self-directed decision-making.

• Financial Calculators and Planning Tools: Comprehensive suite of calculators supporting financial planning (SIP calculator, CAGR calculator, EMI calculator, retirement planning, tax planning optimization, investment return projections).

Business Model and Revenue Streams

• SEBI-Registered Investment Advisory Fees: Primary recurring revenue model through direct advisory fees charged to clients for personalized portfolio creation, management, and ongoing advisory services. Fee structure aligns advisor incentives with client wealth creation rather than product-pushing, typically ranging 0.5-2% AUM annually depending on portfolio size and management complexity.

• Mutual Fund Distributor Commissions: Recurring distributor commissions earned from Asset Management Companies (AMCs) on mutual fund investments and systematic investment plans (SIPs) executed on the platform. Mutual fund commissions provide recurring revenue aligned with AUM growth.

• Portfolio Management Services (PMS) Revenue: AUM-based fees from professionally-managed PMS portfolio clients combined with performance-based incentive fees capturing upside as portfolios outperform benchmarks. PMS revenue model supports higher-value client segments and generates substantial margins.

• Dedicated Wealth Manager Retainer Fees: Tiered retainer fees for dedicated wealth manager access, personalized consulting services, and premium advisory tiers. Premium advisory tiers serve affluent segments demanding concierge-level wealth management with customized strategies.

• Arth AI Subscription and Premium Features: Freemium subscription model where advanced AI-powered features (Arth CFO, priority advisory, advanced analytics) command premium subscription fees enabling recurring revenue from engaged user segments.

• Financial Planning Consultation Fees: Professional services revenue from comprehensive financial planning engagements, estate planning, tax optimization strategies, and specialized consulting addressing complex wealth scenarios.

• Alternative Investment Access Fees: Revenue participation in exclusive alternative investment offerings (private credit, real estate, private equity) curated and distributed through Stack Wealth platform, generating management fees and performance-based returns.

• US Equity and International Investment Commissions: Revenue from international equity investment facilitation and currency conversion services enabling Indian investors to access US stock markets and global diversification.