Candor Capital Candor Capital
Our Businesses

Wealth Management

Steady, risk-aware returns after tax, with capital preserved through unpleasant market phases.

Portfolios built around your life, not around products.

We manage portfolios around each client's goals, risk comfort and liquidity needs, then spread investments sensibly across asset classes. Portfolios are watched and adjusted over time so they can handle market swings without constant reaction.

Portfolio Management

A disciplined five-phase process

The same sequence, every time, for every portfolio. Discipline is what separates a strategy from a collection of products.

01

Planning

Define goals across growth, income, liquidity and risk to establish a clear investment direction, then align fund strategies with your time horizon and constraints in a structured, goal-based roadmap.

02

Asset Allocation

Allocate across equity, debt, hybrid and alternative categories aligned to your objectives and risk profile, adjusting exposures dynamically as markets and circumstances evolve.

03

Security Analysis

Navigate a broad fund universe through structured analysis, rigorously evaluating managers on philosophy, process, performance, team strength and governance.

04

Portfolio Construction

Build diversified portfolios across styles and strategies, optimising allocation sizing and managing overlaps so capital is deployed effectively without duplication.

05

Monitoring & Rebalancing

Track performance, risk exposures and alignment with objectives through structured frameworks, evaluating outcomes on risk-adjusted metrics and rebalancing with discipline.

Manager Selection

Expertise over past performance

We select managers for skill, discipline and strong teams, not headline returns. Consistency across market cycles is key, with readiness to exit if a strategy drifts from its original intent. Every manager is examined on six dimensions:

  • Alignment with your goals and mandate
  • Philosophy and process discipline
  • Risk-adjusted performance across cycles
  • Team strength and stability
  • Fidelity to the stated mandate
  • Governance and regulatory record
Beyond the Portfolio

Wealth, planned end to end

A structured process that aligns long-term financial resources with the life you intend to lead, supported by ongoing review and rebalancing.

  • Clarify retirement age, lifestyle expectations and income needs
  • Assess income, investments, liabilities and investible surplus
  • Project inflation-adjusted expenses and healthcare costs to size the corpus
  • Build a diversified, tax-efficient portfolio for your horizon
  • Structure income through SWPs, annuities, pensions and fixed income
  • Review and rebalance as markets, rules and life evolve

Structured frameworks for the efficient management and transfer of wealth, reviewed from a legal, tax and regulatory perspective for seamless intergenerational transition.

  • Complete mapping of assets, liabilities, insurance and business interests
  • Tax and liquidity evaluation for efficient transfer
  • Legally robust wills with clear distribution intent
  • Executor guidance and periodic review
  • Trust structures that safeguard family wealth
  • Advisory on trustee appointment and administration

An integrated treasury framework that enhances cash visibility, strengthens liquidity and optimises capital deployment, governed by a formal policy.

  • Cash flow mapping and rolling forecasts with scenario analysis
  • Working capital optimisation with defined cash buffers
  • Surplus deployment into high-quality short-term instruments
  • Strategic use of surplus to reduce high-cost debt
  • Treasury policy covering instruments, limits and hedging
  • Dashboards tracking cash, yields, debt profile and liquidity

Hands-on help with assets that are stuck, physical or hard to reach.

  • IEPF recovery: end-to-end reclaim of shares and dividends transferred to the IEPF Authority, including IEPF-5 filings and company coordination
  • Unlisted and pre-IPO shares: access, valuation assessment, due diligence and structured exits
  • Dematerialisation: conversion of physical securities to demat, resolving name changes, lost certificates and documentation issues

Discuss your portfolio with us

A conversation costs nothing and clarifies much. Tell us about your goals and constraints.

Get in Touch