01
Low cost, compounded
Every basis point saved in fees stays invested. We keep portfolios lean, transparent and free of products that pay us instead of you.
Advisors trained at Vanguard, FactSet, EY, Invesco→We manage and
Private wealth management
We manage and
protect serious wealth.
A private wealth management firm for 200+ families and individuals. One principle above all others: protect what you have built, then grow it across bonds, equities, gold, crypto and alternatives.
200+
Clients served
5 YEARS
Track record
5+
Asset classes covered
Advisory backgrounds from
Our advisory bench
Advised by people trained at institutions you already know.
Our bench includes professionals with backgrounds at Vanguard, FactSet, EY and Invesco. That is the single most important thing to know about how your money is handled here: the same low cost, evidence led, long horizon discipline used to manage institutional money, applied to one portfolio built for you.
Vanguard
Index & asset allocation
FactSet
Research & analytics
EY
Audit, tax & advisory
Invesco
Portfolio management
02
Long horizon by default
Positions are sized for years, not quarters. Trading activity is a cost, not a strategy, so we act only when the thesis changes.
03
Evidence over instinct
Allocation decisions follow data on risk, correlation and drawdown. Conviction is welcome once it survives the numbers.
HereVR is an independent advisory firm. Vanguard, FactSet, EY and Invesco are named here only to describe the professional backgrounds of members of our advisory team. No affiliation or endorsement is implied.
Why HereVR
Three things we never compromise on.
01
Capital preservation comes first.
Before we talk about returns, we talk about protection. Every portfolio starts from the same question: what does it take to keep this money safe? Growth is built on that foundation, never ahead of it.
02
We don't bet on one basket.
Bonds. Stocks. Gold and metals. Crypto, where it earns its place. Real diversification means spreading risk across asset classes that do not move together, so no single event can define your outcome.
03
Advised by people who've managed real scale.
Our advisory bench includes professionals with backgrounds at Vanguard, one of the world's most trusted names in disciplined, long horizon investing. That discipline shapes how we build every portfolio.
Our approach
One strategy, five instruments.
Sized to your risk profile and time horizon. Not a fixed formula, a considered mix.
Ballast
Bonds
Steady income and capital protection. The part of the portfolio that lets the rest of it take considered risk.
- Typical band
- 25 to 45%
- Horizon
- 1 to 5 years
- Strategic role
- Ballast
What we are good at
We see the patterns before they cost you.
Across 200+ portfolios the same problems repeat. Spotting them early is most of the work.
4 in 5
portfolios we review
Hidden concentration
Five funds holding the same twenty companies is one position wearing five names.
We map every holding to its underlying companies, sectors and currencies, then rebuild the mix so a single sector correction cannot take the whole portfolio with it.
3
life events cause most crunches
Risk on a schedule
A business transition, a property purchase, a child studying abroad. We plan the cash first.
Known outflows get their own reserve, matched by maturity, so you never sell a growth asset in a bad month to fund something you already saw coming.
2
habits that cost the most
Emotion, not markets
Selling after a fall, buying after a rally. A policy agreed in calm weather breaks both.
We write the rules with you in advance: rebalancing bands, top up triggers and what we will deliberately not do. When markets get loud, the decision is already made.
Who we serve
Built for people who've already built something.
01
Individuals & Families
Growing and protecting personal wealth across generations.
Goals mapped to timelines, a tax aware withdrawal order, and a clear document trail so the next generation inherits a plan, not a puzzle.
- Goal based planning
- Tax aware
- Succession
02
Business Owners
Separating personal wealth from business risk.
We build a personal balance sheet that stands on its own, hold liquidity against business cycles, and prepare the exit long before a buyer calls.
- Exit planning
- Liquidity
- Concentration risk
03
NRIs & Global Families
Wealth managed across borders and currencies.
Currency exposure sized on purpose, repatriation planned around rules and rates, and coordination with your tax advisers in each country you touch.
- Multi currency
- Repatriation
- Cross border tax
Plan your financial needs
Kids fees, home, car, retirement: planned in one portfolio.
Every goal gets its own timeline, its own asset mix, and a clear path from today to the day you need the money.
01
Kids fees & education
School, university, overseas study: a corpus built around the academic calendar.
We separate near-term fee needs from long-term education wealth, matching debt to the first years and growth assets to later milestones.
- SIP + lumpsum mix
- Inflation adjusted
- Withdrawal ready
02
Your first home
Down payment, EMI buffer, and the day the keys are finally yours.
A dedicated home bucket grows beside your emergency fund. When you find the property, the money is ready, not trapped in the wrong asset.
- Liquidity ladder
- EMI cover
- Tax efficient
03
Car & lifestyle
Big purchases that should not derail long-term wealth.
We time the cash flow so an upgrade feels easy, without pulling from retirement or taking expensive last-minute loans.
- Purchase timeline
- Depreciation aware
- No EMI trap
04
Retirement
A portfolio that pays you a salary even when you stop earning one.
We work backwards from your monthly needs, stress-test against inflation and market cycles, and build a withdrawal order that preserves capital.
- Safe withdrawal rate
- Inflation indexed
- Longevity hedged
05
Safety net
The cushion that keeps every other plan on track.
Emergency cash is ring-fenced first, held in stable, accessible instruments so a surprise never forces a fire sale of your long-term assets.
- 6-12 months expenses
- Liquid
- Never mixed with growth
06
Financial independence
A portfolio that can fund your life even without a monthly salary.
We combine dividend and interest streams with a disciplined withdrawal plan, building a second income that outlasts your working years.
- Passive income
- Work optional
- Long-term engine
Let's talk about your money's next chapter.
Tell us a little about what you're looking for. A member of our team will reach out within one business day.
No spam. No obligation. Just a conversation.
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