Frequently Asked Questions (FAQ)
Getting Started
What is the minimum investment amount?
Mutual funds allow SIP starting as low as ₹250 per month, or lump sum options starting at ₹1,000. We’ll help you select options that match your goals and budget.
How do I start investing through you?
Just book a free consultation! We guide you through risk profiling, goal setting, KYC onboarding, account setup and selecting personalized schemes, in simple steps, with ongoing support.
Can I redeem or switch my investments anytime?
Yes, except where there is a specified lock-in (like ELSS). Redemption is processed in 1-4 business days; we handle all paperwork and tracking for you.
Cost & Fees
Do I pay you any fees?
No, you do not pay any direct upfront fees. Our compensation comes as a small commission included in the scheme’s expense ratio, as per SEBI regulations.
What types of charges are there in a mutual fund??
Mutual funds may charge entry/exit loads, annual management fees (expense ratio), and transaction charges.
How do I compare costs between regular and direct plans?
Direct plans have a lower expense ratio since there’s no distributor commission. Regular plans include the commission to offer you guidance, research, analysis, onboarding and ongoing support. The difference is typically 0.2-1% per year, depending on the scheme.
Safety & Risk
Are mutual funds safe?
Mutual funds are regulated by SEBI and managed professionally, but they carry market risks. We help you understand your risk options and build a portfolio matching your comfort level.
What risks should I consider before investing?
Risks include market volatility, credit risk (for debt funds), and manager risk. We explain all risks before you invest and use robust research to match your risk profile.
Investment Choices
How do you select funds for investors?
We use a 3.5+ year track record of financial research, fund analytics, expense ratio comparison, return consistency, and suitability for your unique goals. Our recommendations are fully transparent and data-backed.
Can I invest in US or international markets through you?
Yes. We advise on international funds available in India, including US equity funds, global index feeders, and hybrid international portfolios suited for Indian investors.
What is the difference between direct and regular plans?
Direct plans are for self-managed investors who do not require advice, with a slightly lower expense ratio. Regular plans include distributor service, onboarding, documentation, annual reviews, and ongoing support.
What is the difference between Growth and IDCW option?
Growth Option: Profits are reinvested and the value compounds until you redeem your investment; no payouts are received during investment period.
IDCW Option: Profits are paid out as income at intervals; NAV drops after each payout.
Growth suits long-term wealth building, while IDCW is for those preferring periodic income.
General Mutual Fund Basics
What is a mutual fund?
A mutual fund pools money from many investors to invest in equities, bonds, or other securities, managed by a professional fund manager. It offers diversification, transparency and access to a variety of markets.
Who manages my investments?
Qualified fund managers at SEBI-registered Asset Management Companies (AMCs) make investment decisions as per the scheme mandate.
How are my returns taxed?
Returns are taxed based on fund type (equity/debt/hybrid) and holding period (long vs. short-term). We provide the latest info and tax-saving tips during portfolio reviews.
Investor Support
Will you help if I have a problem with my fund or AMC in future?
Absolutely. We offer full support for queries, redemption assistance, grievance redressal, and AMC interaction whenever needed.
How often do you review my portfolio?
We provide quarterly reviews, ongoing monitoring, and alerts about any concerning fund performance or market changes.
