50-50 Portfolio That Survives Crashes

Your investment strategy did 18.5% CAGR. You got 8.5%. Same strategy. Same period. The gap isn't bad luck—it's behaviour. Most portfolio damage doesn't happen during the crash, it happens when investors panic and exit at the wrong time. In this episode, we break down why sequence risk and drawdown timing matter more than average returns, and introduces Anchor, Capitalmind PMS's new strategy built to keep you invested through the worst market conditions. Shray sits down with Akanksha Maulik (who runs Capitalmind's PMS business) and Krishna Appala (the fund manager behind Anchor) to talk about a product that's been quietly in the works for a while. It's not a stock strategy. It's not chasing alpha. It's a rule-based basket of hybrid mutual funds designed to keep you invested when everything around you is telling you to run. If you're 100% in equities and have never thought about what happens to your goals when a bad market shows up at exactly the wrong time, this one's worth your hour.

Chapters: 00:00 – Intro 01:02 – Why we built Anchor 01:37 – The one problem every investor faces but never talks about 02:34 – How your own behaviour is costing you 06:37 – Sequence risk: when a bad market hits at the worst possible time 10:28 – The building block: why hybrid mutual funds? 12:49 – Breaking down the four subcategories inside Anchor 18:18 – "You're charging fees on top of fees" — and here's the answer 22:43 – The CALM framework: how we pick every fund 26:00 – How often we rebalance (and why we don't do tactical calls) 29:28 – Choosing the right benchmark for a hybrid strategy 31:05 – What can actually go wrong with Anchor 33:44 – Point of joy and a point of regret 37:08 – The numbers: returns, volatility, and drawdowns vs Nifty 39:26 – How we set expectations — and why it's never a one-time conversation 42:18 – Exactly who this product is for (and who should stay away) 46:53 – Where Anchor sits inside the full Capitalmind PMS suite 48:25 – How to allocate to Anchor 51:01 – Does holding Anchor make you calmer about your riskier bets? 53:31 – One line each: Krishna and Akanksha sum up Anchor 55:03 – Closing thoughts Disclaimer: Investing in securities markets involves risk, and no specific returns or performance are guaranteed. This communication is for informational purposes only and does not constitute investment advice, a research report, or an offer/solicitation to buy or sell any securities or portfolio management services. It is not directed at residents of the United States of America, UAE, Singapore, or any jurisdiction where access without proper registration is restricted. While the information is believed to be reliable, Capitalmind and its affiliates doesn't guarantee its accuracy or completeness, and shall not be liable for any loss arising from reliance on this material. Performance data, where mentioned, is based on past results, shown net of fees unless stated otherwise, annualized for periods exceeding one year, is not verified by SEBI, and should not be considered indicative of future performance. Any back-tested performance is simulated and does not represent actual client returns, which may vary due to timing of contributions, market conditions, and other factors. Please exercise independent judgment and seek professional advice before investing. This material is confidential and may not be reproduced or redistributed without prior written consent. For further details, please refer to our Disclosure Document at https://www.capitalmind.in/disclosure#disc-pms.