Distribute Layer

Advisory and goals planning

Build goals-based financial plans, compare model portfolios, and generate next-best-actions for every household. Align investments to life milestones.

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Active Goals
412
+19 this month
Plans on Track
87.3%
+2.1pp this quarter
Average XIRR
14.6%
+0.7pp vs benchmark
Rebalancing Needed
18
6 critical
Household goals dashboard
Progress across retirement, education, home purchase, and emergency funds
View client 360
R
Retirement
₹ 42.3 Cr
Target ₹ 58.0 Cr · 18 years
73% funded
E
Child education
₹ 8.7 Cr
Target ₹ 12.0 Cr · 10 years
72% funded
H
Home purchase
₹ 4.1 Cr
Target ₹ 5.5 Cr · 4 years
75% funded
!
Emergency fund
₹ 2.8 Cr
Target ₹ 3.2 Cr · ongoing
88% funded
Model portfolios
Sentinel-curated allocation frameworks by risk profile and time horizon
View performance
Model Allocation 1Y XIRR Sharpe Max DD Risk
Conservative Accumulator
Debt-heavy, capital preservation
Eq 25%Debt 65%Alt 10%
 9.4% 1.12 -3.2% Low Use
Balanced Growth
Equal equity-debt mix with moderate volatility
Eq 55%Debt 35%Alt 10%
 14.6% 1.28 -7.1% Moderate Use
Aggressive Compounder
Equity-led with AIF and mid-cap tilt
Eq 70%Debt 15%Alt 15%
 21.3% 1.05 -14.8% High Use
Tax-Efficient Legacy
Estate and tax-optimized allocation
Eq 40%Debt 45%Alt 15%
 12.8% 1.31 -5.4% Moderate Use
Proposal builder
Current draft: Agarwal household rebalancing proposal
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Household
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Goals
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Products
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Selected household
VA
Vikram Agarwal household
AUM ₹ 18.4 Cr · Risk: Aggressive
Primary goal
Retirement corpus
Target ₹ 12.0 Cr by 2044
Monthly SIP required: ₹ 1.42 L
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Rebalancing alerts
Portfolios drifting outside target allocation bands
View drilldown
Vikram Agarwal household
Equity 68% vs target 55% · drift +13%
Critical Rebalance
Shalini Mehra household
Debt 22% vs target 35% · drift -13%
Review Rebalance
Rohit & Priya Kapoor
Alternatives 4% vs target 10% · drift -6%
Watch Rebalance
Sentinel Copilot
Vikram Agarwal's equity allocation has drifted 13% above target. Rebalancing now could reduce sequence risk and harvest ₹ 4.2 L in STCL before 31 March. I have prepared two options.
Review options See drilldown Tax analytics
Next best actions
1
Increase emergency fund SIPs
7 households have less than 3 months of expenses in liquid funds. Recommend ₹ 25 K/month top-up.
2
Lock gilt exposure before rate cut
12 moderate-risk clients can benefit from duration extension. Avg expected alpha: 1.2%.
Browse gilt funds
3
AIF allocation for HNIs
4 clients qualify for Indus Growth Fund III. Minimum ticket ₹ 1 Cr. Window closes 25 August.
View fund details
Tax-aware opportunities
STCL harvest potential₹ 14.2 L
LTCG set-off room₹ 6.8 L
80C limit unused18 clients
NPS tier-II activations9 clients
Open tax analytics