A Simple, Transparent Way to Build Wealth
At Cambridge Wealth, our process is built to remove noise, avoid complexity, and focus on what matters: disciplined investing aligned to your goals.
A Guided Journey, End-To-End
Discover & Diagnose
We start by understanding your goals, current assets, and life stage.
Outcome: A clear picture of “where you stand.”
Design the Plan
We map your goals into a structured mandate (risk band, return target, liquidity needs).
Outcome: A simple, goal-based plan you can understand at a glance.
Build the Portfolio
Assets are selected via our research framework, diversified, efficient, suitable.
Outcome: A portfolio aligned to your lifestyle and future milestones.
Implement with Care
Phased entries, clean execution, transparent reporting.
Outcome: No surprises, no hidden costs.
Review & Refine
Markets change, life changes, your plan adapts with both.
Outcome: Confidence and peace of mind over the long term.
Founder's Portfolio:
Where We Invest and Why
See the actual investments our founder holds, the research behind, and the performance over time, built on the same framework we use for you.
"If a strategy isn't good enough for my family's future, it's not good enough for yours. We don't have a separate playbook for ourselves. We're in this together, experiencing the same market conditions, the same volatility, and the same long-term growth."
Chinmay Kulkarni
Chief Investment Officer
The Math Behind the Method
48-Point Research Framework
Every product, fund, or asset we consider is stress-tested for consistency, risk, cost, and stewardship quality.
Evidence Over Opinion
No hot tips, no speculation, only proven methods and data-driven insights.
Global Perspective
We track both Indian and international markets for diversified, long-term strategies.
Independent & Transparent
No hidden commissions, no product-pushing, guidance stays conflict-free.
The Math Behind the Method
Our 48-Point Research Framework
1. Multi-Dimensional Analysis
Across Every Asset Class Evaluate each opportunity through 48 distinct data points, from fundamental financials, valuation metrics to macroeconomic indicators, risk factors, and market sentiment.
2. Quantitative Scoring
That Removes Emotional Bias Each of the 48 criteria is systematically scored and weighted based on your risk profile and goals. This scoring system ensures every decision is data-driven, repeatable, and free from market hype.
3. Continuous Monitoring and Reassessment
Your portfolio isn't analyzed once and forgotten. We run all holdings through 48-point framework quarterly, flagging changes in fundamentals, valuations, or risk parameters, so you're always positioned based on current data, not outdated assumptions.
Global Perspective
1. Multi-Geography Opportunity Scanning
We actively monitor investment opportunities across developed and emerging markets — from US equities to Asian growth stories, European value plays to commodity-driven economies — ensuring your portfolio isn't limited by geographic bias.
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2. Currency and Geopolitical Risk Assessment
Every international investment is evaluated for currency fluctuation risk, political stability, regulatory environment, and cross-border taxation implications — so you benefit from global exposure without unexpected vulnerabilities.
3. Diversification Beyond Home Market Correlation
We identify assets and markets with low correlation to domestic holdings, reducing portfolio volatility and capturing growth opportunities that Indian markets alone cannot provide — true diversification through strategic global allocation.
Evidence Over Opinion
1. Data-Driven Decisions, Not Market Narratives
Every investment recommendation is backed by verifiable financial data, historical performance metrics, and quantitative analysis — not headlines, analyst hype, or popular sentiment. If the numbers don't support it, we don't recommend it.
2. Backtested Strategies with Proven Track Records
We don't rely on theoretical models or untested approaches. Every strategy is validated against historical market cycles, stress-tested across different economic conditions, and proven to deliver results before it enters your portfolio.
3. Third-Party Research and Independent Verification
We cross-reference multiple authoritative sources — financial statements, regulatory filings, independent research reports, and verified market data — ensuring our analysis is grounded in facts, not influenced by single sources or conflicts of interest.
Independent and Transparent
1. Fiduciary Duty: Your Interests Come First, Always
We're legally and ethically bound to act in your best interest, not ours, not a product provider's. Every decision is made with your financial goals as the sole priority, backed by our fiduciary commitment.
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2. Full Disclosure of Costs, Holdings, and Performance
You'll see exactly what you're paying, what you own, and how your portfolio is performing — with complete breakdowns of fees, asset allocation, and returns. No hidden charges, no unclear reporting, just clear transparency at every level.
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3. Open Access to Our Research and Methodology
Our investment rationale isn't kept behind closed doors. You'll receive detailed reports showing why we recommended each investment, what data supported the decision, and how it fits your strategy — empowering you with knowledge, not just instructions.
