Frequently asked questions

Two kinds of investors. Professionals and families building long-term wealth through disciplined, goal-based investing, usually via mutual fund SIPs. And HNI investors with ₹50 lakh or more of investable capital, for whom we curate PMS and AIF strategies through formal tie-ups with SEBI-registered providers. In both cases the approach is identical: education first, evidence always.

No pitch: that is a promise. We listen: your goals, your current investments, your obligations, what has and hasn’t worked before. You leave with an honest reading of where you stand and what we would prioritise, whether or not you choose to engage us. See how we work for the full process.

No. Planning conversations and our calculators are free, and mutual fund SIPs start from ₹500 a month. The ₹50 lakh and ₹1 crore figures you see on this site are SEBI’s regulatory minimums for PMS and AIF structures specifically, not our threshold for taking you seriously.

Yes: a written review of what you hold, what it costs, how it overlaps and where the gaps are is a standard part of our first engagement. We recommend consolidation only where it genuinely helps; there is no requirement to move everything to us.

Through distribution: when you invest in a mutual fund, PMS or AIF through us, the product provider pays us a commission from their fee, the standard distributor model in India. We disclose this to every client. We accept no compensation that depends on projecting returns or presenting any product as risk-free. The full statement is in our disclosures.

We carry no sales targets and no product-of-the-month. Our written discipline is suitability first: emergency fund, insurance and goal-matched investing before any conversation about sophisticated products. If your foundation isn’t ready for PMS or AIF, we will say so, and help you build the foundation instead.

Free, no sign-up, and genuinely private: every calculator runs entirely in your browser, and the numbers you enter are never transmitted to us or any server. The optional Net Worth save uses only your own device’s storage. We built them this way deliberately: see our privacy note.

Only on top of a fully funded core, never instead of it. PMS (from ₹50 lakh) suits investors who want a professionally managed, higher-conviction portfolio held in their own name. AIFs (from ₹1 crore) open strategies public markets can’t offer retail investors (private credit, long-short, pre-IPO) in exchange for lock-ins. By the time a company comes into mutual funds, much of its explosive growth is often already behind it; these structures can participate earlier. Our PMS & AIF page explains both honestly.

Eight questions, answered in writing before you commit a rupee: the strategy’s edge and its capacity, its worst 12 months, fee impact at ordinary (not brochure) returns, concentration risk, exact exit mechanics, taxation in your hands, the custodian, and (importantly) what would make us recommend leaving it later. The full list is on the PMS & AIF page.

We will never promise a number, nobody honestly can. Market-linked returns vary, and past performance doesn’t guarantee anything. What we do instead: plan at deliberately moderate assumptions (12% p.a. or lower for equity in every illustration on this site), state every assumption, and stress-test the plan so it survives ordinary outcomes, not just optimistic ones.

Investors across India. Conversations happen over WhatsApp, phone and video; reviews and paperwork work the same way. Distance has never been the constraint: discipline is.

One message. WhatsApp +91 98710 01868, call the same number, or write to a consultant from the contact page. We respond within one working day.