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How do I choose a smallcase? Selecting a Smallase



How do I choose a smallcase? Selecting a Smallase

While Technology has made investment advisory affordable, retail investors are increasingly shifting towards picking model portfolios / smallcases from the days of individual stock picking. There are 100s of smallcases available on the Smallcase platform. Hence, we are writing this article to help you in selecting a smallcase. In this article we use model portfolios and smallcases interchangeably.

Risk Appetite:

Everyone should invest only as per his/her risk appetite. Model portfolios have equity allocation ranging from 0% to 100%. While aggressive investors are comfortable investing in smallcases with even 100% equity, and conservative investors should go for smallcases which have lower allocation to equity. Because of this wide-range of smallcases collection, it’s important to assess his/her risk appetite and invest accordingly. At Gulaq, we designed a risk profiling tool which helps investors assess their risk category and select appropriate portfolios. Here’s the link to the risk profiling tool

Investment horizon:

If you are looking for long term gains, never select concentrated portfolios. The concentration might be based on sectors, or themes or factors. Always select the portfolios which are diversified in terms of market cap and also in terms of how the portfolios are constructed. For Example, momentum portfolios are based on a single factor and hence risky in the long-term. Multi-factor investing based portfolios are better suited for long-term investments, as they are diversified across themes, sectors, and factors. This will help investors avoid the unnecessary hassle of timing their entry and exit in the theme based portfolios.

Backtesting results:

Take backtesting results with a pinch of salt. It is very easy to come up with a strategy which has performed well in backtests. Whether it will perform in live markets or not, is a totally different thing. Always give more importance to live results.

Analyzing Live performance:

When you see the live performance, always see how the portfolios performed during rising markets and during falling markets. Smallcase allows users to switch time periods from 1 Month to 5 Years, check how the small case is performing compared to different benchmarks across time periods.

Investment team:

Always see the team behind the portfolios. Lately because of the huge investor interest in the model portfolios, there are many portfolios being offered by 1-2 person teams who have just started operations. See the live track record of portfolios, the quality and experience of the team behind the portfolios, and size of the team.


A well diversified portfolio reduces the drawdown risk over long-term. While selecting a portfolio, watch out for what kind of strategy the portfolio is based on. For example, a theme based smallcase is likely to perform well as long as the theme is performing well. Hence, one must carefully consider how diversified the portfolio is and what is the time horizon they can look at based on the extent of diversification. Go for a well-diversified portfolio.

Influencers Trap:

A recent trend has started where influencers have started offering smallcases. Even though there might be a star fund manager behind the portfolios, many of them haven’t been able to keep up with the changing nature of the markets. While picking these smallcases, be cautious about their recent 2-3 years performance. If a fund manager underperforms over a 2-3 year period then surely you need to think twice before investing with them.

Subscription fee:

Have an understanding on how much investment you are likely to make in one year, and calculate the subscription fee as a percentage of your investment. Pick such a Small case, which doesn’t cost you more than 2-3% of your AUM.

Some portfolios tend to have lower minimum investment size, which makes the subscription fee a higher percentage of AUM. Don’t get carried away with subscription fee/minimum investment percentage, instead try calculating subscription fee/annual investment size.

There is no universal smallcase, which is the right investment for everyone. The above factors help you in the process of selecting the right smallcase.

Happy investing!


What Is Secura VPN? Your Guide to Digital Security



What Is Secura VPN? Your Guide to Digital Security

How Does Secura VPN Work?

Secura VPN works by establishing a secure and encrypted connection between your device and the internet. When you connect to the internet through Secura VPN, all of your online traffic is routed through a remote server operated by the VPN provider. This means that your IP address is masked, making it difficult for anyone to track or trace your online activities.

One of the key features of Secura VPN is its ability to encrypt your data. Encryption ensures that any information you send or receive over the internet is scrambled and can only be deciphered by authorized parties. This adds an extra layer of security, especially when using public Wi-Fi networks where hackers may try to intercept your data.

The Importance of Digital Security

In today’s digital world, where information is constantly being shared and stored online, the importance of digital security cannot be overstated. From personal photos and financial transactions to sensitive business data, our digital lives are filled with valuable information that needs to be protected from prying eyes.

One of the main reasons why digital security is so crucial is the prevalence of cybercrime. Hackers and identity thieves are becoming increasingly sophisticated in their methods, making it easier than ever for them to gain unauthorized access to our personal information. Without proper security measures in place, we risk falling victim to these malicious actors who can cause irreparable damage to our lives.

The Essential Guide to Choosing a Mobile VPN

When it comes to selecting a mobile VPN, there are several factors you should consider. First and foremost, you need to think about the level of security provided by the VPN service. Look for features like AES-256 encryption and a strict no-logs policy.

Another important aspect is the server network offered by the VPN provider. The more servers they have in different locations around the world, the better your chances of finding a fast and reliable connection wherever you may be.

Speed is also crucial when choosing a mobile VPN. You want an app that doesn’t slow down your internet browsing or streaming experience.

How to Find the Best Mobile VPN for You

When it comes to finding the best mobile VPN for you, there are a few key factors to consider. First and foremost, you’ll want to think about your specific needs and priorities. Are you primarily concerned with privacy? Do you need a VPN that can bypass geo-restrictions? Understanding what matters most to you will help narrow down your options.

Next, take the time to research different VPN providers. Look for ones that have strong reputations in terms of security and reliability. You’ll also want to read reviews from other users to get a sense of their experiences.

Another important consideration is compatibility with your devices. Make sure the VPN supports the operating systems you use on your mobile devices, whether it’s iOS or Android.


In today’s digital world, where online threats are becoming more sophisticated and prevalent, it is crucial to prioritize our digital security. Secura VPN offers a reliable solution that can safeguard your sensitive information and provide you with peace of mind while browsing the internet.

By encrypting your data and hiding your IP address, Secura VPN ensures that your online activities remain private and secure from prying eyes. Whether you’re using public Wi-Fi networks or accessing geo-restricted content, a mobile VPN like Secura VPN is an essential tool for protecting yourself in the digital realm.

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