Angel Investing

What is Angel Investing?

Angel investing allows you to participate in early-stage startups. Businesses that are building, scaling, and often redefining industries.

Unlike traditional investments, this is not about steady returns.
It is about participating early in high-growth opportunities, where outcomes can vary widely.

Through structured platforms and curated opportunities, investors can:

• Access early-stage startups at reasonable valuations
• Build exposure to a new asset class
• Participate alongside experienced investors and institutions
• Diversify beyond traditional assets

Portfolios are typically built across multiple startups (often 12 to 18 over time) to manage risk through diversification. This portfolio is managed by a fund manager who would charge management fees, just like how we have in mutual funds. So, if one lacks experience choosing the right startup, this works very well. Let the professional manage. The three promoters have more than 20 years each relevant experience.

Who is this for?

Angel investing is suitable for individuals who:

• Have already built a strong core portfolio (equity, debt, insurance in place)
• Are comfortable allocating a small portion (typically 5 to 10%) to high-risk opportunities
• Understand that returns are non-linear and long-term
• Understand that there is no liquidity on-demand and typically the time horizon to get your money and returns back should be around 5 to 6 years.
• Want exposure to innovation, entrepreneurship, and emerging sectors
• Prefer curated access instead of evaluating startups individually

It is also relevant for:

• Business owners
• Senior professionals
• HNIs / UHNI families
• Investors looking to diversify beyond traditional assets

The minimum investment for this angel fund is Rs 25 lakhs.

Who this is NOT for?

Let’s be clear. This is not for everyone.

This may not be suitable if:

• You are looking for predictable or regular returns
• Your core financial planning is still evolving
• You are uncomfortable with capital loss (which can happen in startups)
• You expect liquidity in the short term
• You prefer fully transparent, listed-market type visibility

Reality check:

Even with strong curation, startup investing carries meaningful failure rates, which is why diversification is critical

1. Curated Access

Opportunities are filtered through structured due diligence and evaluation processes before being presented to investors

2. Diversified Portfolio Strategy

Instead of betting on one idea, investments are spread across multiple startups over time to improve probability of success

3. Flexible Participation

You evaluate each opportunity and choose whether to participate. No blind allocation required

4. Managed Process

End-to-end support including:

• Deal access
• Documentation
• Execution
• Ongoing updates

5. Long-Term Wealth Creation

The objective is not short-term gains but asymmetric upside over time, where a few winners can drive overall returns

Important Considerations

• Minimum investment sizes vary depending on structure and opportunities
• Investments are typically illiquid with longer holding periods
• Returns are not guaranteed and can be highly variable
• Taxation depends on structure and holding period
• A disciplined allocation approach is essential

Our Approach at Financial Radiance

We do not position angel investing as an “opportunity.” We position it as an allocation decision within a larger financial plan.

• We help you assess whether it fits your portfolio first
• Then, evaluate how much allocation is appropriate
• And only then facilitate access to curated opportunities

No noise. No chasing trends. Just structured decision-making.

If you are considering adding angel investing to your portfolio:

• We can help you understand the structure, risks, and expected approach
• Walk you through how it could fit within your existing investments

Reach out to us for a detailed discussion, if you think this fits into your overall financial journey.