Services
At Capitotal Wealth , we provide tailored financial solutions—from wealth planning and retirement strategies to insurance, goal-based planning, and loan syndication with 35+ banks and NBFCs—helping individuals, families, and businesses achieve lasting financial growth and security.
Our Solutions
Capitotal Private Wealth Management:
Invest sustainably, invest in what matters to you.
we empower you to have a positive impact, both today and in the future. The key to doing this successfully is having a deep understanding of your unique needs, And as you pursue this path, our goal is to provide the transparent and reliable insights you require to make informed choices
Each investment journey is personal, and we help our clients invest in what matters to them. To support you in defining your journey, we provide:
- Guidance on clearly articulating your values, ambitions, and profile.
- Transparency on your portfolio’s sustainability profile and an investment ‘health check’.
- Support in co-creating a strategy that will meet your objectives.
Once you have defined these elements and are ready to set out, we accompany you every step of the way with the help of a comprehensive ecosystem consisting of:
- Methodology & Client reporting
- Products and solutions
- Research & Thought leadership
- Client community & knowledge
CAPITOTAL LENDING SOLUTIONS:
Understanding You and Your Lending Needs
Life is full of opportunities and changes, and sometimes you may need funds to make the most of them. Flexible lending solutions are a key part of effective wealth management.
Whether it’s expanding your business, purchasing property or investments, improving liquidity, reducing funding costs, or leveraging diverse assets, the right lending solution can help you achieve your goals.
As a Capitotal client, you have access to a specialist lending team familiar with your financial situation. Our services cover portfolio finance, complex mortgages, single-line assets, and more—allowing you to act strategically without disrupting your investments.
Lending Made Simple
We aim to make lending straightforward and efficient. Our team will guide you through each step and collaborate with your tax advisers to find the most effective structure. Loans can be secured or unsecured against residential or commercial property, with your dedicated team helping you explore the most suitable options confidently.
Types of Lending
We offer a range of tailored lending solutions:
Mortgages – Residential, buy-to-let, commercial, warehouse, and land loans on interest-only or capital & interest terms, with expert advice on the best option.
Short-term Loans – Unsecured loans, bridging loans, overdrafts, or purpose-specific lending, often arranged against existing managed funds.
Portfolio Lending – Use your investment portfolio as security for short- or long-term financing, keeping your investment strategy intact while providing flexible liquidity.
CAPITOTAL WEALTH PLANNING:
How HNIs are adjusting their investment portfolios to maintain their lifestyles?
Though the cost of living well maybe have dropped on average in the last few year, wealthy individuals are still seeing rising costs in certain areas of lifestyle expenditure. How are they reacting to these changes, and what adjustments are being made to their investment portfolios?
How are total wealth and financial attitudes changing?
Despite these pressures, spending remains high and for the HNIs canvassed in our Lifestyle Survey, the overall value of assets they hold has, on average, increased again this year. The most significant increases in total value of assets were seen in the Middle East, while the greatest overall percentage rise in net worth was experienced by affluent . However, in respondents recorded a higher level of significant decreases in their wealth than in other regions, showcasing the inevitable fluctuations of fortunes given the changeable macroeconomic background.
We also see similar variation between regions when it comes to financial attitudes. In Europe and North America, high-net-worth individuals are more conservative in their approach to a broad range of financial topics. From portfolio construction and risk, to an interest in wealth education and sustainability, these two regions tend to be more conservative, with a higher focus on wealth preservation than in other parts of the world.
CAPITOTAL CHILD FUTURE PLANNING:
Three Ways to Invest for Your Children’s Futures
Every parent dreams of giving their children the best start in life—investing both time and money to ensure they’re ready for success. While education and enrichment are important, planning financially for the future is just as essential. The key is to start early, invest smartly, and create steady income streams to support your child’s journey.
1. Start Planning Early
When you hold your newborn, their future education might not be your first thought—but it should already be a goal. The earlier you begin, the more compounding works in your favor.
Dhilip, 38, a father of two daughters, began investing right after their birth. “We first got medical insurance to secure their health,” he says. “Then, we started saving ₹25,000 a month for each child toward university expenses.”
Investing regularly builds discipline and takes advantage of rupee cost averaging, helping balance market fluctuations and maximize long-term returns.
2. Invest for Growth
Investing can help you achieve long-term financial goals and beat inflation, which silently reduces the value of idle savings. Consider options like education endowments, mutual funds, and unit trusts—diversified across various assets to balance growth and stability.
Dhilip and Sunitha have built a well-diversified portfolio for their children, combining post office savings, mutual funds, insurance, and cash reserves. This approach ensures consistent growth and financial security over time.
3. Generate Passive Income
Every rupee saved can be turned into a source of passive income. Instead of letting money sit idle, investing it wisely can create regular income to fund your children’s classes, insurance, or future needs.
By leveraging expert-managed investment funds, you gain access to research, professional management, and diversified markets. “Our investments give us a monthly income,” says Dhilip, “which helps pay for our children’s insurance and extra activities.”
Secure Their Future Today
Starting early, investing for growth, and creating passive income are the pillars of long-term financial security. With a structured plan, you can ensure your children’s future dreams are well within reach.
CAPITOTAL RETIREMENT WEALTH:
Planning for a longer life: How to make your wealth last
With people living longer and healthier lives, the traditional rules of retirement no longer apply. longevity is changing the way we all need to think about wealth planning and the sooner we start, the better.
One of the biggest misconceptions is that expenses drop sharply in retirement. “As people move away from work and have more leisure time, they’re spending more, they’re enjoying it.” It’s only much later in life, often towards the end, that spending typically declines. That means your retirement plan needs to support years of active living, in addition to passing on wealth to multiple generations.’
Why does longevity matter now?
Over the last few years longevity has increasingly come into focus for clients, driven by four key factors. “There are four things clashing together at this time that make longevity something we really need to be giving consideration to,”
- Less public provision: With an ageing population and declining birth rate, the traditional model of governments and employers providing for retirement is under strain.
- Personal responsibility: The shift from defined benefit pensions to personal savings means we must take ownership of our retirement outcomes.
- Rising costs: With inflation, the cost of living (and giving your family opportunities) continues to climb. As a result, retirement savings must beat inflation where possible, or at least keep track.
- A new retirement paradigm: The old three-stage life of “school, work, retire” has been replaced by a more dynamic “post-work” era, where many want to travel, pursue hobbies, and spend more.