Retirement Centric Investing, Designed for Life's Transitions
Who we help?
At Ortium, we specialize in helping you and your family prepare for a secure and fulfilling retirement , whether you are just starting your journey or already living it!
Retirees or Near Retirees
Preserve Capital. Tax Efficient Income. Outpace inflation.
As retirement begins—or approaches—your financial focus shifts. It’s no longer about growth at all costs, but about stability, predictability, and longevity. You need a portfolio that works through market cycles.
We design resilient, income-generating portfolios inspired by globally respected frameworks such as – Ray Dalio’s All-Weather Portfolio: built for performance across economic environments and Harry Browne’s Permanent Portfolio: focused on capital preservation and balance
We help you:
- Create reliable, tax-efficient income streams
- Manage withdrawal risk
- Combat inflation
- Protect your retirement corpus for the long haul
Young Professionals
Planning Early. Juggling Responsibilites. Staying on track.
You’re building a career, raising a family, and managing a growing list of financial goals—from home loans to your children’s education. Retirement may be years away, but the foundation must be laid today.
The key to success is to earmark your investments for the various goals that you have in mind. Build clarity on when you need the money and ensure that each of your investments are aligned to the goals that you have in mind.
We help you:
- Prioritize long-term goals without compromising short-term needs
- Build disciplined, SIP-led investment plans
- Balance retirement, education, and other life goals
- Stay tax-efficient at every step
Our Philosophy
Strategy over Speculation. Structure over Sales.
At Ortium, we don’t chase trends or offer one-size-fits-all products. Every suggestion is grounded in your life stage, your goals, and your risk appetite.
What guides us:
- Purpose-driven investing
- Personalized asset allocation
- Evidence-based fund selection
- Ongoing portfolio rebalancing and reviews
How do we earn?
Ortium Financial Services Private Limited is a AMFI registered Mutual Fund Distributor with ARN 150941.
As Mutual Fund Distributors, we get remunerated by the Asset Management Companies we represent. The remuneration is in the form of Trail Commission. The trail commission for each scheme depends on the overall Total Expense Ratio (TER) of the scheme. The maximum limits on TER has been defined as per the SEBI regulations.
The trail fees that are paid to us are broadly as follows:
Equity & Hybrid Funds: 0.80% p.a. to 1.75% p.a.
ELSS: 0.90% p.a. to 1.75% p.a.
Index: 0.10% p.a. to 0.60% p.a.
Arbitrage: 0.30% to 1.10% p.a.
Debt: 0.05% to 1.10% p.a.
Overnight & Liquid: 0.02% p.a. to 0.90% p.a.
Meet the team
Sparsh Kaeley - CFA, CFP
Founder & Director
Sparsh is a CFA charter holder and a Certified Financial Planner (CFP). He has a Post Graduate degree in Public Policy and a graduate degree in Management Studies from St. Xavier's College Mumbai.
Sparsh worked with Axis Mutual Fund and Credit Suisse Business Analytics before launching this venture in 2018.
RUSHI JOSHI
Senior Relationship Manager
Rushi holds a post graduate degree in Business Analytics from Cambrian College of Applied Arts & Technology, Canada and a Bachelors of Management Studies from University of Mumbai.
Prior to joining Ortium, Rushi worked as a Financial Advisor at CIBC Bank, one of Canada’s leading banks. In his role at CIBC, he guided High Net Worth Individuals on debt management, investment planning and portfolio management with the aim of helping them achieve their long- term financial goals.
Suraj Kaeley, CFP
Mentor & Retirement Specialist
Suraj is a Certified Financial Planner (CFP). He holds a Post Graduate Degree in Management Studies and a graduate degree in Science from University of Mumbai.
Suraj is a veteran in the Asset Management Industry in India with almost three decades of experience in the Indian Financial Services industry. He held leadership roles at Franklin Templeton Asset Management (India), FIL Asset Management India (Part of Fidelity Worldwide), MetLife India Insurance and UTI Asset Management.
Let's make Retirement work for you!
Schedule an exploratory discussion with us to see how a strucutred approach to investing can help you simplify your financial life.