Global Multi-Asset (Aggressive)

The Global Multi-Asset (Aggressive) Portfolio is a growth-focused core portfolio built from ETFs, weighted mainly towards equities across the US, developed markets and emerging markets, with a smaller bond allocation. It is still a diversified portfolio rather than a theme bet, but it accepts larger swings in exchange for higher long-term growth potential. Vested compares it against a balanced global benchmark rather than the S&P 500. You can see the full list of holdings and their weights once you sign up.

This portfolio may suit you if you are investing for ten years or more, want broad global equity exposure rather than a single theme, and can stay invested through a significant market fall without selling. It is a reasonable core holding for younger investors building wealth over time. It is not suitable if you will need the money within a few years, or if a large drop in value would push you to exit. In that case the Moderate or Conservative version is a better match.

Yes. Resident Indians can invest in the Global Multi-Asset (Aggressive) Portfolio through Vested under the RBI’s Liberalised Remittance Scheme (LRS), which currently allows you to remit up to USD 250,000 per financial year for overseas investments. You open a US investment account through Vested, complete a one-time KYC, and transfer money from your Indian bank account. The shares and ETFs are held in your own account in your name, not pooled in a fund, and you can sell and bring the money back to India whenever you want. Gains are taxable in India depending on how long you hold, so factor that into your planning.

Vested reviews every Managed Portfolio, including Global Multi-Asset (Aggressive), once a quarter. A review does not automatically lead to a rebalance. The portfolio is only changed if the research team concludes that the existing allocation no longer makes sense, for example when a company no longer fits the theme or when the weights have drifted away from what was intended. Managed Portfolios are non-discretionary, which means nothing is bought or sold in your account on its own. You are notified when a change is recommended and you decide whether to approve it. There are no brokerage or transaction charges on rebalancing trades.

Because assembling a global equity allocation yourself means choosing region ETFs, deciding how much goes to emerging markets, and keeping the weights in line as markets move. A Managed Portfolio does that groundwork for you: Vested’s research team decides which companies go in, how much weight each one gets, and when something should change. You still own the actual shares and ETFs in your own US account, so you can see exactly what you hold, and this is not a fund unit. It also helps with a problem most people run into on their own, which is quietly ending up with far too much money in one stock. You pay an annual advisory fee on the amount you invest, with no purchase fee, no brokerage on rebalancing trades and no exit load. None of this stops you buying individual US stocks on Vested as well, if you want to do both.

This portfolio is mostly equities, so it will fall meaningfully in a market downturn, and the smaller bond allocation only partly cushions that. Emerging market holdings add country, political and currency risk. Diversification across regions reduces single-market risk but does not prevent losses, because global markets often fall together. The main practical risk is behavioural: selling during a sharp fall turns a temporary decline into a permanent loss. Vested tags this portfolio as high risk. Because the holdings are priced in US dollars, your returns in rupees also depend on how the rupee moves against the dollar over the period you stay invested.

There are five steps. First, sign up on Vested and complete your KYC, a one-time process to open your US investment account. Second, add money by remitting from your Indian bank account under the LRS route. Third, open the Global Multi-Asset (Aggressive) Portfolio and read through its holdings, risk tag and fee before you commit. Fourth, invest the amount you want. You can start small and add to it over time, and there is no lock-in. Fifth, review it periodically and approve or decline any rebalancing recommendation you are sent. You can withdraw at any time without an exit load.