Asked & Answered
Below, you’ll find frequently asked questions separated into categories, or topics. If we don’t have an answer here, contact us!
Subscription plans for Teji Mandi Flagship portfolio:
- 6 months – ₹ 894 ( ₹ 149 per month)
- 12 months – ₹ 1,188 ( ₹ 99 per month)
- 3 months – ₹ 1,497 ( ₹ 499 per month)
- 6 months – ₹ 2,394 ( ₹ 399 per month)
Here is the list of supported brokers and their linking charges:
- Zerodha – Rs 100 + GST one time only*
- 5Paisa – Rs 20 per stock*
- Upstox – Rs 200 + GST one time only*
- IIFL Securities – Rs 100 + GST one time only*
- Groww – Rs 100 + GST one time only*
- Kotak Securities – Rs 100 + GST one time only*
- Angel One – No Charges*
- Axis Direct – No Charges*
- HDFC Securities – No Charges*
- Alice Blue – No Charges*
- Edelweiss – No Charges*
- Trustline – No Charges*
- ICICI Direct – Rs 100 + GST one time only*
- Dhan – No Charges*
- FundzBazar – No Charges*
- Motilal Oswal – No Charges*
- FundzBazar – No Charges*
- UPI: Instant payment via any app
- Net Banking: All Indian banks
- Wallets
- Pay Later: ICICI Pay Later
How liquid is my investment?
I do not have a Demat Account. How do I start investing?
How much do I need to invest?
My broker is not supported. How do I invest?
Will I get daily trading calls?
I do not have a Demat Account. How do I start investing?
That’s not a problem! We will help you open your Demat account through one of our partner brokers, including 16 of India’s most prominent brokers. Just select the ‘I don’t have a Demat account’ at the investment stage, and we will get it set up for you!
How much do I need to invest?
The minimum investment on your end is purposely low at INR 19-25k, depending on the value of the 15-20 stocks in our portfolio. Since we cannot buy partial stocks in India, this is the minimum amount needed to have a balanced and diversified portfolio. This amount may vary by a few rupees based on the current stock price.
My broker is not supported. How do I invest?
Currently, we support 16 of India’s top brokers, and we are soon adding support for more. We can help you open a Demat account as well. If you want to transact with your broker, you can subscribe and get access to our stock portfolio and rebalancing alerts. You can execute these trades on your own on your broker’s platform.
Will I get daily trading calls?
No, we do not provide any intraday or short-term trading calls. We only provide advisory on our Teji Mandi portfolio. We will tell you which stocks to buy, when to buy & when to sell them from the Teji Mandi portfolio itself.
How can I sell my portfolio in case I need the money?
What is the investment philosophy of Teji Mandi?
Our investment philosophy has 4 aspects. We pick stocks from the Nifty 500, which provides adequate liquidity. We follow a focused stock-picking method, combining a portfolio of tactical bets with long-term winners to ensure optimum returns. Our selling strategy is disciplined where we eliminate the losers and double down on the winners to ensure meaningful capital protection for clients. Lastly, we maintain 1 portfolio to ensure standardisation and uniformity of returns across all clients.
When to invest in the Stock market?
We at Teji Mandi advise that you should not try to time the market.
We offer a portfolio of stocks from a short to long-term perspective. Therefore, entry price and target price will not be important. You will have to buy the stocks at the current market price and rebalance the portfolio when the notification is sent.
What is rebalance? How does rebalance work?
Rebalance helps investors rearrange their portfolio depending on the external market conditions, quality stock-picking, and disciplined selling strategy.
How to rebalance?
- Tap ‘Rebalance’ on the home screen.
- Login with a broker.
- Tap ‘Confirm Update’.
- Review stocks.
- Tap the ‘Rebalance Smallcase’ button.
- Confirm the sell order through CDSL (by entering your TPIN).
- Continue to CDSL.
- And, wait for the order to be fulfilled.
Why is rebalancing important?
Due to the changing market conditions and economic indications, it becomes crucial for ‘Teji Mandi’ to rearrange its portfolio stocks. This helps maintain an ideal allocation by selling a few stocks and replacing them with the ‘better’ ones through our disciplined rebalancing strategy.
Rebalancing is done to ensure that the investor gets the advantage of stocks that would compound over a longer period and can take advantage of situations from a short-term perspective.
How frequently do we rebalance the TM portfolio?
We will tell you when to sell and buy other stocks through our rebalance updates sent on email, WhatsApp, and push notifications.
What If investors miss rebalancing?
What if investors do not wish to rebalance?
Why add more money to rebalance?
When we rebalance, we sell a stock and use the funds from the sale to fund our buys on the new stocks. In some cases, the amount left after selling is not enough to cover a buy order due to the changing prices in the stock market. Hence, you must add funds to execute the rebalance.
SEBI has also mandated certain margin requirements on orders where only 50% of the funds available can be used to fund purchase orders. This is another reason you might need to add funds to execute a rebalance.
We recommend our clients maintain a small buffer of funds with their broker to ensure seamless rebalancing. Your funds are safe with the broker, and unused funds will be returned to you quarterly.
How to invest in Teji Mandi through SIP?
Our monthly SIP starts at just Rs 6,000. The initial investment value is equal to the current value of Teji Mandi’s portfolio stocks.
Learn more about the SIP process at, https://tejimandi.com/research/38147/512698?sip-the-why-the-what-and-the-how
What are payment options for TM subscriptions?
You can buy a subscription and pay us through any of the following options:
– UPI: Instant payment via any app
– Net Banking: All Indian banks
– Wallets
– Pay Later: ICICI Pay Later
– Bank Transfer: NEFT, RTGS, etc.
Do you provide individual stocks?
Teji Mandi offers a diversified portfolio of 15-18 stocks across 5-10 different sectors.
We don’t suggest individual stocks because too much exposure to one sector or stock can severely affect your returns due to a market crash and volatility. Having a diversified portfolio protects you against market crashes/downsides.
Will I be notified about my subscription renewal?
As per SEBI norms, we cannot collect upfront payment for any period greater than 6 months, hence this restriction.
How is Teji Mandi different from other advisories?
We, at Teji Mandi, cut through the noise and simplify stock market investing for you and help you build a strong long-term portfolio.
Why 15-18 stocks – can you just give me 1-2 stock recommendations?
Teji Mandi is a dedicated and diversified portfolio of 15-20 premium equity stocks. We do not provide any individual or stock-specific advisory because having too much exposure to a few stocks, or a specific industry can adversely affect your returns due to market downside and increased volatility.
Therefore, we prefer investors to invest in at least 15 stocks of diversified portfolios.
How much do I invest now? Should I invest the entire amount now or do a SIP? OR How much to invest initially or lump sum investment amount depends upon the individual’s risk calibre, financial stability and fund allocation. With Teji Mandi, you can start your initial investment with any amount of more than Rs 20,000.
How much to invest initially or lump sum investment depends upon the individual’s risk caliber, financial stability, and fund allocation. With Teji Mandi, you can start your initial investment with any amount of more than Rs 20,000.
Whereas SIP as a disciplined financial approach helps to invest a fixed amount at regular intervals by eliminating the need to constantly monitor the markets and protect the portfolio against market volatility. With Teji Mandi, you can start SIP with a minimum initial amount equal to portfolio value and then a monthly SIP of Rs 6000.
Will you give me guaranteed returns?
As per the past result and data, there is no doubt that equities generate better returns than any other asset class over the long term. As equity markets are subject to market risks with scope for both loss and profits, investment returns vary due to changing dynamics and external market conditions. Teji Mandi believes in managing investors’ capital risk over guaranteeing returns in figures. Also, as per SEBI, we can’t assure any promises on the returns. We aim to partner with you to make you a better investor.
I’ve only made losses so far. How long should I wait to make a profit? OR Your portfolio stocks are not performing well. What should I do? OR How long should I wait for returns?
While investing in the equity stock market, understanding the business cycle is a must-have skill for a retail equity investor. The market is dictated by economic growth’s natural rise and fall – which leads to phases of expansion, peak, contraction, and trough. It’s hard to determine equity returns in shorter-term periods. Therefore Teji Mandi recommends that investors stay invested for at least one year to determine the overall portfolio performance and market indications.
What is a smallcase?
Do you get more rebalancing of Teji Mandi portfolio on smallcase?
What are the differences between Free vs Paid Smallcases?
How is Teji Mandi different from other managers on smallcase?
- We are a subsidiary of Motilal Oswal.
- Our portfolios – Flagship and Multiplier – are curated and actively managed by a team of experts.
- As of August 5, Teji Mandi Flagship portfolio delivered an annual CAGR of 35.94%. While Teji Mandi Multiplier portfolio delivered an annual CAGR of 51.14%.
- We share timely rebalance updates and also the rationale behind each stock picking.
- A subscription model with fixed fees and no hidden charges.
- Track your portfolio in an easy-to-use app in just a few clicks.
- Lowest advisory fees, starting at Rs 99 per month.
- We also offer a jargon-free daily newsletter to make you a better investor.
What is a Flagship portfolio?
What is the investment philosophy of the Flagship portfolio?
Focused Stock Picking: We combine a portfolio of short-term tactical bets with long-term winners. This ensures that the investor gets the advantage of stocks that would compound over a 12-18 month period and is able to take advantage of a special company/sector situation from a 3-6 month perspective.
Disciplined Selling: We look to protect investor capital by exiting stocks under 3 situations:
- Company or industry fundamentals have started to change;
- Too much negativity around a company or sector;
- An extreme macroeconomic/market situation.
What is a Multiplier portfolio?
What is the investment philosophy of the Multiplier portfolio?
Low Coverage of Mid and Smallcap: Analyst coverage of mid and smallcap stocks is much lower than large caps. This gives the fund manager an edge in spotting good businesses early and generating higher alpha.
Favourable Cyclical Upturn: Small and midcaps tend to perform in extremes and revive sharply after bouts of negative returns. After the correction in small caps in the past three years, we expect a significant revival in performance.
Which is the investment option for me between Flagship and Multiplier?
Largely, Flagship is a concentrated portfolio of 15-20 stocks that blends short-term tactical bets with long-term winners. This ensures that investors get the advantage of stocks that would compound over a 12-18 month period and is able to take advantage of the special company/sector situations from a 3-6 month perspective.
While Multiplier is a concentrated yet well-diversified portfolio of midcap and smallcap stocks. This portfolio is higher risk but expected to generate strong returns over the long-term of 4-5 years. The stocks in the Multiplier portfolio are potential multibaggers.