Investment Policy Statement

Prepared exclusively for the client named below

Client name Rajiv Mehta

Risk profile Growth

PAN ABCPM1234L

Investment horizon 10+ years

AUA ₹2,48,52,310

Subscription tier BYLD Edge · Annual

1 · Portfolio objective

Long-horizon capital growth with tax-efficient income, optimised for the client's stated Growth risk profile. Drawdown tolerance is set at 22% over a 12-month rolling window. Primary goal is post-tax CAGR above 11% over a 10-year horizon.

2 · Strategic asset allocation

Equity (Indian + Intl) 65%

Debt & deposits 20%

Gold & commodities 10%

Alternatives (PMS / AIF) 5%

3 · Rebalancing policy

3.1 Portfolio is reviewed for rebalancing on the first business day of every quarter.

3.2 Any single asset class drifting beyond ±5% of the strategic weight will trigger an immediate rebalance recommendation.

3.3 Mandatory annual full rebalance on the IPS anniversary, regardless of drift.

3.4 No single mutual fund holding may exceed 10% of total AUA. No single equity holding may exceed 5%.

4 · Risk controls & suitability

4.1 This IPS is reviewed annually or upon any life event (marriage, child, job change, inheritance, retirement).

4.2 Suitability re-attested annually as required under SEBI RIA Regulation 17.

4.3 BYLD Wealth charges a flat fixed fee only. No commission, no kickback. Capped at 2.5% of AUA per annum.

Client signature

Rajiv Mehta · 08 Apr 2026

For BYLD Wealth (RIA)

Vivek Kumar · Head of Engineering