'There is an increase in holding patterns across segments'

Model-driven vs human-led portfolios?

We are essentially active managers and believe in the collective ability of our people. We also utilise technology, including AI, to enhance their capabilities, whether in terms of creating models, testing frameworks or driving insights that can inform portfolio construction.

Post-stress test safeguards?

Based on our learnings from Manulife’s global practices, we have consistently adhered to strict internal risk management norms, including testing in stress scenarios across multiple parameters. This approach remains unchanged.

On low-friction investing and investor churn.

Investing digitally has clearly become much easier. We have observed an increase in holding patterns across investor segments, as well as among investors who own multiple schemes. Using these insights, we have increased engagement levels with our customers, resulting in an uptick in ownership across our fund family, as well as longer holding periods.

Rapid-fire questions

• One AMC you admire (not yours): HDFC AMC.
• One hot trend you’re glad to have skipped for your investors: Momentum-based funds.
• One fund manager, past or present, you would love to have on your team: Ken Griffin.
• Beyond returns, one criterion you want investors to judge your AMC on: Consistency.
• If not running an AMC, what would you be doing? Running a restaurant.

This article was originally published on October 24, 2025.