High-net-worth individuals (HNI) often face a unique paradox in their investing journey. While they have access to larger capital pools and broader asset classes, many still rely on retail-level advisory inputs—short-term tips, fragmented information, and media-driven narratives. Jignesh Desai believes this needs to change.
At Centrum Broking, Jignesh leads the HNI Equities division with one clear mission: bring institutional-grade research discipline to HNI investors. He argues that once portfolio size crosses a certain threshold, decision-making must shift from gut-driven intuition to structured, research-backed strategy.
What differentiates institutional research? First, depth. It goes beyond headlines and price action to analyze business cycles, financial statements, corporate governance, and valuation frameworks in a holistic manner. Second, structure. Institutions use rigorous investment theses, stress-tested models, and disciplined review processes—something often missing from HNI portfolios. Third, alignment. Institutional research is not just about “picks”; it’s about strategic allocation, risk calibration, and portfolio-level outcomes.
Jignesh has long advocated that the same macro-sectoral insights, QIP-grade reports, and industry rotation strategies used by mutual funds and family offices should also guide HNI portfolios. In fact, HNIs face the added risk of emotional decision-making—jumping in late, overreacting to news, or abandoning long-term positions prematurely. Institutional research disciplines can counterbalance those risks.
At Centrum, Jignesh and his team have designed frameworks that blend top-down and bottom-up analysis. From quarterly earnings reviews to global macro data, they distill complex information into actionable insights. For clients, this means fewer regrets and better risk-adjusted returns.
In an increasingly volatile and data-heavy market, quality of research is a clear edge. For HNIs looking to preserve and grow wealth meaningfully, transitioning to institutional-grade thinking is not just advisable—it’s essential.