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Build vs Buy — Wealth Management

Weigh SaaS subscriptions against a custom build for Wealth Management — see the multi-year total cost of ownership and which path wins.

What this means for Wealth Management

  • New client onboarding takes 4-7 weeks because account opening is a paper-and-PDF process spread across custody, planning software, and the CRM — high-net-worth prospects walk away during the wait.
  • Advisor capacity is the binding constraint on growth — top advisors are stuck servicing 80-120 households when the operating model needs them servicing 200+ to hit growth targets.
  • Financial planning software, portfolio management, the CRM, and the custody platform don't share data — advisors and assistants spend 30-40% of the week reconciling positions and rekeying client info.

Where it pays to act

  • Advisor copilots — meeting prep, talking points pulled from the financial plan, and post-meeting note generation that writes the CRM activity log automatically.
  • Client onboarding automation — document classification, NIGO (not-in-good-order) detection, and pre-filled forms across custody and planning systems.

Adjust the inputs to match your Wealth Management context.

₹2,000
25
10%
₹15 L
15%
3 yr

Total cost of ownership

SaaS total (3yr)

₹19.9 L

Custom build total

₹21.8 L

Difference (cheaper to buy)

₹1.89 L

Breakeven

What this means

A hybrid path fits best.

For Wealth Management, the gap is ₹1.89 L over 3 years — close enough that a hybrid approach (buy core, build differentiating layers) often wins.

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Build vs buy — summary

SaaS total (3yr)₹19.9 L
Custom build total₹21.8 L
Difference₹1.89 L cheaper to buy
Breakeven

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