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ABOUT AZAD PARIVAAR™
Built on a Personal Experience.
Driven by a Simple Belief.
That every family deserves an advisor whose only job is to protect their interests — not sell them products.
CFA®
CFP®
CWM®
CFA®
CFP®
CWM®
CTEP™
CREP®
SEBI RIA
CFA®
CWM®
CTEP™
CREP®
SEBI RIA
CFA®
CFP®
CWM®
FOUNDER & PRINCIPAL ADVISOR
Prateek Singh Kumar
SEBI RIA | WEALTH ARCHITECT
I've spent 15 years in the financial industry — studying 500 years of financial markets' history, understanding and building portfolios, and watching how money decisions shape families' lives in the long-term.
AZAD PARIVAAR™ is my answer to everything I saw was broken about how financial advice is delivered in India & globally.
CTEP™
CTEP™
CREP®
CREP®
SEBI RIA
Why I Built AZAD PARIVAAR™
There wasn't one moment.
There were many — small ones and big ones, stacked across two decades — that built the conviction behind this firm.
I grew up in a fairly comfortable Indian household. By the time I finished school, together, my family earned over ₹40 lakh a year. By any reasonable measure, we were upper-middle-class. The income was there. The discipline to earn it was there.
The architecture wasn't.
There was no plan. No structure. No clarity on goals, on protection, on legacy.
There was no trusted advisor — no one architecting the bigger picture.
Just one person trying to control everything alone, hiding the gaps, the insecurities, the shortcomings. Year after year.
I felt like the same story was playing out, over and over. Fear during corrections. Greed at market peaks. Trading the markets at the top, hoping to "make some quick money" — the exact behaviour I now spend my career advising against.
And underneath it all, despite a comfortable income, a permanent scarcity mindset.
MY STORY
"We have so little.
Why don't we have more?
Let's save a ₹100 here and a ₹1000 there."
We weren't poor in money.
We were poor in big picture planning.
Poor in communication.
Poor in mindset.
Which, honestly, is worse.
When you have it and not grow it structurally — that's worse than never having had it.
2017 — The Decision That Stayed
I had spent years preparing to leave.
A degree from the Shri Ram College of Commerce.
A master's from the University of London.
All three levels of the CFA®, cleared.
Applications submitted to top universities and investment banks across Europe and Canada.
The plan was simple — work hard, earn well, build my own wealth over the next decade, and settle abroad.
Then a family situation shifted.
My father had to move away to a different city for work. My younger brother was still in school. And I made a quiet decision I never told anyone about — I withdrew the applications, didn't tell my family they had ever existed until years later, and stayed back in India to be present for my mother.
That decision cost me a career path I'd prepared for my entire life.
The decision still stings, sometimes. But I'd make it again, a thousand times over.
What I didn't know yet was that staying would change the kind of advisor I become in the coming future.
2018 — The Conversation That Changed Everything
In late 2018, the Indian markets were falling.
The IL&FS crisis had broken open. Quality businesses were trading at meaningful discounts. For anyone with patience and a long horizon, this was the kind of moment that builds a decent amount of wealth — quietly, just by buying when others were running.
I had just cleared all three CFA levels, already deep into my investing years. I knew exactly what to do.
I called a senior family member — someone I love deeply. Disciplined earner. Comfortable life built over decades.
I asked them for ₹50,000. That's it. ₹50,000.
I told them:
"Set aside ₹50,000. I'll help you invest. Five years from now, you'll thank me."
I was hoping I'll start small with 50k, they will see the merit in my advice and add more to their retirement fund.
But, the answer was NO.
This is what they said:
"I know a broker. I trust him. I'll trade in my own company stock. I'll make good money."
That moment didn't hurt because they refused me. It hurt because I realized something far bigger.
By the time the IL&FS crisis hit in 2018, the household income had grown to over ₹50 lakh a year. If a family with that level of income had saved and invested with structure for the past 25-30 years, they could be sitting on a combined net worth somewhere between ₹15-20 Cr today. And I'm being conservative.
Comfortably financially free. Travelling. Spending real time together. Quietly building a legacy for the coming generations.
Instead — decades of compounding lost.
Decades of peace of mind lost.
Decades of family time replaced by fear & worry that didn't need to exist.
That was the day I stopped trying to convince.
I started preparing — to build something different. For Indian Families.
2020 — The Conviction
In March 2020, the COVID crash arrived. My own portfolio fell 52% in a month.
I had skin in the game. Real capital, real loss — the kind that tests every framework you think you believe in.
But I wasn't running. I was watching. Buying. Holding. Adding. As a value investor, I had waited for such a market cycle turn for years.
At my age and stage, I could afford this kind of volatility.
But I realised something deeper — even with market-beating returns, I had no real control. The portfolio was still riding the cycle.
So, I told myself,
"Hey, rather than starting from volatile high-earning assets as the base, why don't I build a portfolio anchored around better control & peace of mind? Why not switch the game altogether?"
That's what gave birth to the 'All-Weather' portfolio for India.
A portfolio when back-tested with publicly available data, starting from year 1978-79 (Sensex base year), and a decade of my professional financial research, gave an annualized CAGR of ~10% over 47 years with no loss years. Minimum return of +4% in 2008-09 during the Global Financial Crisis when the market was down -56% from peak to bottom.
Now that was a base I liked.
I practically created a portfolio with FD-like protection (using RBI-grade Government Bonds) but slightly higher compounded return than traditional FD's.
Now, starting from this base portfolio, I could open it up more and more towards volatile assets depending on the risk profile of the family client.
For example, the same base portfolio opened up quite a bit for a client with expected risk of about ~15%/yr (Moderately Risk Averse), gave an annualized CAGR of ~13% over 47yrs. With only 3 loss years, and maximum loss being -9% in 1992-93 during the Harshad Mehta Scam.
So now, on the other side of the COVID crash, something crystallized for me.
Families don't have to live through this rollercoaster to reach their goals.
The structure can do the thinking.
The discipline handles the rest.
That's where the 'All-Weather' Portfolio philosophy was born — not in a textbook, but in lived experience.
Built specifically for Indian families.
Designed to weather any market, any cycle, any decade — and quietly take families to where they want to go, without the bumps that destroy patience and peace of mind.
AZAD PARIVAAR™ exists for one reason.
Your family will have what mine didn't: a single architect, complete clarity, and quiet peace of mind.
Application-only. Fee-only.
Built on the same principle I'd want for my own.
Be Clear. Be Disciplined. Be Happy With Your Money.
Everything else is just architecture.
Why I Built AZAD PARIVAAR™
MY STORY
There wasn't one moment.
There were many — small ones and big ones, stacked across two decades — that built the conviction behind this firm.
I grew up in a fairly comfortable Indian household. By the time I finished school, together, my family earned over ₹40 lakh a year. By any reasonable measure, we were upper-middle-class. The income was there. The discipline to earn it was there.
The architecture wasn't.
There was no plan. No structure. No clarity on goals, on protection, on legacy.
There was no trusted advisor — no one architecting the bigger picture.
Just one person trying to control everything alone, hiding the gaps, the insecurities, the shortcomings. Year after year.
I felt like the same story was playing out, over and over. Fear during corrections. Greed at market peaks. Trading the markets at the top, hoping to "make some quick money" — the exact behaviour I now spend my career advising against.
And underneath it all, despite a comfortable income, a permanent scarcity mindset.
"We have so little.
Why don't we have more?
Let's save a ₹100 here and a ₹1000 there."
2017 — The Decision That Stayed
AZAD PARIVAAR™ exists for one reason.
Your family will have what mine didn't: a single architect, complete clarity, and quiet peace of mind. Application-only. Fee-only. Built on the same principle I'd want for my own.
Be Clear. Be Disciplined.
Be Happy With Your Money.
Everything else is just architecture.
We weren't poor in money.
We were poor in big picture planning.
Poor in communication.
Poor in mindset.
Which, honestly, is worse.
When you have it and not grow it structurally — that's worse than never having had it.
I had spent years preparing to leave.
A degree from the Shri Ram College of Commerce.
A master's from the University of London.
All three levels of the CFA®, cleared.
Applications submitted to top universities and investment banks across Europe and Canada.
The plan was simple — work hard, earn well, build my own wealth over the next decade, and settle abroad.
Then a family situation shifted.
My father had to move away to a different city for work. My younger brother was still in school. And I made a quiet decision I never told anyone about — I withdrew the applications, didn't tell my family they had ever existed until years later, and stayed back in India to be present for my mother.
That decision cost me a career path I'd prepared for my entire life.
The decision still stings, sometimes. But I'd make it again, a thousand times over.
What I didn't know yet was that staying would change the kind of advisor I become in the coming future.
In late 2018, the Indian markets were falling.
The IL&FS crisis had broken open. Quality businesses were trading at meaningful discounts. For anyone with patience and a long horizon, this was the kind of moment that builds a decent amount of wealth — quietly, just by buying when others were running.
I had just cleared all three CFA levels, already deep into my investing years. I knew exactly what to do.
I called a senior family member — someone I love deeply. Disciplined earner. Comfortable life built over decades.
I asked them for ₹50,000. That's it. ₹50,000.
I told them:
2018 — The Conversation That Changed Everything
"Set aside ₹50,000. I'll help you invest. Five years from now, you'll thank me."
"I know a broker. I trust him. I'll trade in my own company stock. I'll make good money."
I was hoping I'll start small with 50k, they will see the merit in my advice and add more to their retirement fund.
But, the answer was NO.
This is what they said:
That moment didn't hurt because they refused me. It hurt because I realized something far bigger.
By the time the IL&FS crisis hit in 2018, the household income had grown to over ₹50 lakh a year. If a family with that level of income had saved and invested with structure for the past 25-30 years, they could be sitting on a combined net worth somewhere between ₹15-20 Cr today. And I'm being conservative.
Comfortably financially free. Travelling. Spending real time together. Quietly building a legacy for the coming generations.
Instead — decades of compounding lost.
Decades of peace of mind lost.
Decades of family time replaced by fear & worry that didn't need to exist.
That was the day I stopped trying to convince.
I started preparing — to build something different. For Indian Families.
2020 — The Conviction
In March 2020, the COVID crash arrived. My own portfolio fell 52% in a month.
I had skin in the game. Real capital, real loss — the kind that tests every framework you think you believe in.
But I wasn't running. I was watching. Buying. Holding. Adding. As a value investor, I had waited for such a market cycle turn for years.
At my age and stage, I could afford this kind of volatility.
But I realised something deeper — even with market-beating returns, I had no real control. The portfolio was still riding the cycle.
So, I told myself,
That's what gave birth to the 'All-Weather' portfolio for India.
A portfolio when back-tested with publicly available data, starting from year 1978-79 (Sensex base year), and a decade of my professional financial research, gave an annualized CAGR of ~10% over 47 years with no loss years. Minimum return of +4% in 2008-09 during the Global Financial Crisis when the market was down -56% from peak to bottom.
Now that was a base I liked.
I practically created a portfolio with FD-like protection (using RBI-grade Government Bonds) but slightly higher compounded return than traditional FD's.
Now, starting from this base portfolio, I could open it up more and more towards volatile assets depending on the risk profile of the family client.
For example, the same base portfolio opened up quite a bit for a client with expected risk of about ~15%/yr (Moderately Risk Averse), gave an annualized CAGR of ~13% over 47yrs. With only 3 loss years, and maximum loss being -9% in 1992-93 during the Harshad Mehta Scam.
So now, on the other side of the COVID crash, something crystallized for me.
Families don't have to live through this rollercoaster to reach their goals.
The structure can do the thinking.
The discipline handles the rest.
That's where the 'All-Weather' Portfolio philosophy was born — not in a textbook, but in lived experience.
Built specifically for Indian families.
Designed to weather any market, any cycle, any decade — and quietly take families to where they want to go, without the bumps that destroy patience and peace of mind.
"Hey, rather than starting from volatile high-earning assets as the base, why don't I build a portfolio anchored around better control & peace of mind? Why not switch the game altogether?"
A TRUSTED FRIEND
Someone who speaks plainly, thinks long-term, and always prioritises your interests.
A THINKING PARTNER
Not just a portfolio manager — a structured advisor for every major financial decision.
A BEHAVIOURAL COACH
Someone who protects you from fear, FOMO, and emotional decisions.
COMPLETE CLARITY
You will always know where you stand, what your strategy is, and what happens next.
NO CONFLICTS
Fee-only. No commissions. My income comes only from you — not from products.
LONG-TERM COMMITMENT
I work with a small number of families. Every relationship is built to last decades.
A TRUSTED FRIEND
Someone who speaks plainly, thinks long-term, and always prioritises your interests.
A THINKING PARTNER
Not just a portfolio manager — a structured advisor for every major financial decision.
A BEHAVIOURAL COACH
Someone who protects you from fear, FOMO, and emotional decisions.
COMPLETE CLARITY
You will always know where you stand, what your strategy is, and what happens next.
NO CONFLICTS
Fee-only. No commissions. My income comes only from you — not from products.
LONG-TERM COMMITMENT
I work with a small number of families. Every relationship is built to last decades.
HOW I WORK
What You Can Expect
A TRUSTED FRIEND
Someone who speaks plainly, thinks long-term, and always prioritises your interests.
A THINKING PARTNER
Not just a portfolio manager — a structured advisor for every major financial decision.
A BEHAVIOURAL COACH
Someone who protects you from fear, FOMO, and emotional decisions.
COMPLETE CLARITY
You will always know where you stand, what your strategy is, and what happens next.
NO CONFLICTS
Fee-only. No commissions. My income comes only from you — not from products.
LONG-TERM COMMITMENT
I work with a small number of families. Every relationship is built to last decades.
SEBI REGISTRATION
INA000020077
BSE ENLISTMENT
2254
GLOBAL CREDENTIALS
CFA® · CFP® · CWM® · CTEP™ · CREP®
EXPERIENCE
15 Years in Financial Industry
SEBI REGISTRATION
INA000020077
BSE ENLISTMENT
2254
GLOBAL CREDENTIALS
CFA® · CFP® · CWM® · CTEP™ · CREP®
EXPERIENCE
15 Years in Financial Industry
Verify Independently
Every credential is independently verifiable.
.png)
SEBI REGISTRATION
INA000020077
GLOBAL CREDENTIALS
CFA® · CFP® · CWM® · CTEP™ · CREP®
CREDENTIALS & REGISTRATION
Regulated. Qualified. Accountable.
BSE ENLISTMENT
2254
STUDY & PROFESSIONAL EXPERIENCE
15 Years in Financial Industry
Verify Independently
Every credential is independently verifiable.