AltWealth's Hybrid PMS Rating System
AltWealth rates hybrid PMS strategies on a composite score: (1) Return consistency — annualised XIRR across 1Y, 3Y, and 5Y periods; (2) Drawdown control — maximum portfolio decline in adverse markets; (3) Risk-adjusted return — Sharpe and Sortino ratios; (4) Allocation discipline — did manager follow stated allocation methodology?
- Return Consistency (30%): Stable returns across market cycles
- Drawdown Control (25%): How well the hybrid portion protects in bear markets
- Sharpe Ratio (20%): Return per unit of risk taken
- Allocation Discipline (15%): Adherence to stated equity-debt framework
- Manager Track Record (10%): Years of experience managing hybrid portfolios
Choosing the Right Hybrid PMS
Match hybrid PMS strategy to your risk profile:
- Conservative (60+ years): 20–30% equity + 70–80% debt hybrid
- Moderate (40–60 years): 40–50% equity + 50–60% debt balanced hybrid
- Aggressive (25–40 years): 60–70% equity + 30–40% debt aggressive hybrid
- Dynamic: All-weather strategies that shift allocation based on market signals
- Review annually: Ensure hybrid allocation still matches life stage