FAQs
Answers to Your Top Queries About investing with ORIM
General Questions
ORIM provides a digital only risk analytics and financial advisory solution to individuals to achieve their investment objectives.
ORIM offers portfolio risk analytics and investment advisory.
To begin your digital and seamless investing journey at ORIM please follow the below steps:
1- Check your risk profile
2- Check risk analytics of your existing portfolio
3- Select your preferred investment product
4- Begin your investment journey.
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To begin your investing journey at ORIM please fill in your details at www.orim.in/get-in-touch & we shall get in touch with you with all the further processes.
ORIM offers fees structure which are always in client’s interest. To know more about the fee structure, please reach us at connect@orim.in
For all kind of support services we are always available to help you. Feel free to reach out to us at connect@orim.in or 022- 46027238.
Risk Analytics
Risk testing begins with our risk profiler, we use a psychometric i.e. psychological + quantitative approach towards generating a risk profile. The next step of innovation comes in with risk analytics of existing investments. These proprietary statistical tools used for such analysis help the client get a holistic view of their existing portfolio.
Risk Profiling basically identifies the amount of risk an individual should be taking for their investments. This is derived using ORIM’s proprietary solution which includes a psychometric i.e. psychological + quantitative questionnaire which is based on a machine learning (ML) algorithm. The capability of the questionnaire algorithm to change as per previous inputs makes it a robust solution for estimating the optimum amount of risk an individual should take.
It will match investment solutions as per an individual’s risk profile. Hence the risk profiling tool is essential to create the right portfolio, aligned with the client’s expectations.
Yes, you can change your risk profile manually if you feel that you have a risk profile different from what the tool has guided or you wish to align your investments as per your own preferred risk profile.
ORIM’s risk analytics tool helps analyze the risk of existing investments in a portfolio and give a guidance to the investor about how the portfolio’s risk and returns will behave in future.
The risk analytics tool would help you understand the underlying risk in your existing portfolio. It would also help to check the risk in your existing investments and their alignment with your risk profile.
The risk analytics tool output is a combination of statistical functions which are applied on historical performance on a universe of scripts from various asset classes.
ORIM uses the risk profiler output as a variable to decide the appropriate investment product for a client. A change in the risk profile would hence lead to a change in the investment product offering.
Investment Advisory
Investment advisory is a process of offering recommendations on various scripts across asset classes with an aim to create a portfolio of investments matching with the risk profile. Investment advisory is done post conducting in depth research and analysis.
You would be advised across various asset classes namely equity, debt, gold, real estate & alternative investment products. A combination of asset classes would be selected which would best suite your risk profile.
ORIM’s uniqueness begins with a three step robust process of doing risk profiling, risk analytics and risk matching. We aim not only do the risk profiling but also analyze the risk of existing investment and then provide investment advisory. This helps one manage risk not only for future investments but also for existing investments and leads to true risk matching of risk profile with the investments. In order to conduct this process, we have created our proprietary process which is completely digitized and simplistic.
Wealth creation is the by-product of long term investing in a patient and disciplined manner. Hence the investment tenure is an important variable and it is advised to at least have a 3-5 year investment tenure when venturing in any investment product.
ORIM’s platform is created with an aim to offer investment advisory to all kinds of investors. Please connect with us at connect@orim.in to know more about our product offerings.
ORIM would introduce churn/rebalance in the portfolio as the need would arise. We generally try to maintain a churn of 20% – 25% on an annual bases.
1. A client/subscriber paying the fees on a monthly basis can cancel the subscription only after the completion of 30 days. ORIM Advisors Pvt. Ltd. does not owe any liability to refund the monthly subscription charges should the subscriber decide to discontinue availing services or terminate the account or under any other circumstances whatsoever. Subscription charges paid for a month shall not be refunded.
2. A client/subscriber paying the fees on a half-yearly basis or yearly basis can initiate the cancellation process by providing ORIM Advisors Pvt. Ltd. with 1 month advance notice. Upon cancellation, the subscriber shall be entitled to a refund for the remaining unexpired period of the subscription.
3. Refunds for approved cancellations will be initiated within 7 working days from the date of raising the cancellation ticket. The completion of the refund is subject to the processing times of the relevant financial institutions and may take additional time beyond the initial initiation.
