FAQ’s
Frequently Asked Questions
What does it mean that you're SEBI registered, and why does it matter?
SEBI (Securities and Exchange Board of India) is India’s capital markets regulator. A SEBI Registered Investment Advisor (RIA) has passed regulatory requirements, agreed to a code of conduct, and is legally required to act in your best interest — not in the interest of a product manufacturer or distributor.
This is different from a mutual fund distributor or an insurance agent, who earn commissions when you buy certain products. As an RIA, we charge you a fee for advice, and that’s it. No hidden commissions, no product push.
This is different from a mutual fund distributor or an insurance agent, who earn commissions when you buy certain products. As an RIA, we charge you a fee for advice, and that’s it. No hidden commissions, no product push.
What services do you offer, and what don't you do?
We offer fee-based investment advisory — which means we analyse your financial situation, goals, and risk appetite, and give you a personalised investment plan. We cover equity mutual funds, exchange-traded funds, debt instruments, tax-efficient strategies, and asset allocation.
We do not: sell insurance, regular mutual funds plans, execute equity trades on your behalf, manage your portfolio directly, or provide short-term trading tips on individual stocks.
We do not: sell insurance, regular mutual funds plans, execute equity trades on your behalf, manage your portfolio directly, or provide short-term trading tips on individual stocks.
How do you charge for your advice? Are there any hidden costs?
We charge a transparent advisory fee — either annually or per engagement, depending on the scope of work. There are no commissions, no trail fees, and no percentage-of-profit charges hidden anywhere.
SEBI regulations allow advisers to charge either a fixed annual fee (capped at ₹1,51,000 per family) or a fee based on assets under advice (capped at 2.5% per annum). We will always disclose upfront which mode applies to you, our complete fee structure, and put this in writing before you sign anything.
SEBI regulations allow advisers to charge either a fixed annual fee (capped at ₹1,51,000 per family) or a fee based on assets under advice (capped at 2.5% per annum). We will always disclose upfront which mode applies to you, our complete fee structure, and put this in writing before you sign anything.
I'm not very familiar with finance. Is this service right for me?
Yes in fact, that’s exactly who we work best with. You don’t need to know what a P/E ratio is or how bond durations work. Our job is to understand your investment objective or life goals like buying a house, retiring comfortably, funding your child’s education — and translate those into a clear investment plan in plain language.
We’ll explain every recommendation and the reasoning behind it. You’ll never feel rushed into a decision, and you’ll always know what your money is doing and why.
We’ll explain every recommendation and the reasoning behind it. You’ll never feel rushed into a decision, and you’ll always know what your money is doing and why.
How is this different from just investing through a mutual fund app myself?
Apps make it easy to invest — but easy access doesn’t automatically mean good decisions. Common pitfalls include chasing last year’s top performers, under-diversifying, ignoring tax efficiency, and panic-selling during market falls.
An advisor adds value through goal-based planning, behavioural coaching (keeping you from making expensive emotional decisions), tax optimisation across instruments, and periodic rebalancing. Research consistently shows that investor returns lag fund returns — the gap is largely explained by poor timing decisions. That’s where we help.
An advisor adds value through goal-based planning, behavioural coaching (keeping you from making expensive emotional decisions), tax optimisation across instruments, and periodic rebalancing. Research consistently shows that investor returns lag fund returns — the gap is largely explained by poor timing decisions. That’s where we help.
What information do I need to share with you, and is it safe?
To build a meaningful financial plan, we’ll ask for details like your income, existing investments, insurance, liabilities, financial goals, and investment horizon. This is standard for any advisory engagement.
All information you share is kept strictly confidential and used solely for the purpose of giving you advice. We do not sell your data or share it with third parties. You can ask us about our data handling practices at any time.
All information you share is kept strictly confidential and used solely for the purpose of giving you advice. We do not sell your data or share it with third parties. You can ask us about our data handling practices at any time.
Can you guarantee returns on my investments?
No, and any advisor who promises guaranteed returns is not being honest with you, and likely violating SEBI regulations. All market-linked investments carry risk, and past performance is not a guarantee of future results.
What we can commit to is giving you well-researched, unbiased, and goal-appropriate advice — and being transparent about the risks involved in every recommendation. Our goal is to improve your probability of reaching your financial goals, not to make unrealistic promises.
What we can commit to is giving you well-researched, unbiased, and goal-appropriate advice — and being transparent about the risks involved in every recommendation. Our goal is to improve your probability of reaching your financial goals, not to make unrealistic promises.