Five steps, in order
No jargon and no pressure at any stage. The first two steps cost nothing and carry no obligation to continue.
Review what you hold
Your investments might sit with a bank, another distributor, or across three different apps. We look at all of it together. Free, and with no obligation.
- How each fund has really performed, not just the headline number.
- Whether funds that look different are quietly holding the same shares.
- Whether the overall mix is riskier or safer than you thought.
- Whether each fund is there for a reason.
- Gaps in your life and health cover.
- The conclusions shared with you, whether or not you go ahead.
- An honest answer, including ‘this is fine, leave it alone’.
- The conclusions, yours to keep.
- No obligation to change anything.
- Time to think it over.
Understand the goals
About an hour of real conversation. What the money is for, when you need it, and what you would do if markets dropped sharply.
- Retirement: at what age, and how much a month in today’s money.
- Children: school fees, college, in India or abroad.
- Big plans: a home, a business, a break from work, supporting parents.
- Risk: not a quiz score, but what you actually did last time markets fell.
- Commitments: loans, people who depend on you, fixed bills.
- Limits: where you live, money you may need soon, anything you would rather avoid.
- When you need the money matters more than anything else.
- If income is limited, goals have to be put in order.
- How you behave in a fall matters more than a risk score.
- We suggest nothing before this conversation.
A written proposal
You get a document, not a sales pitch. It sets out which funds we suggest and how much goes into each, with the reason written beside it. Every assumption is visible, so you can argue with it.
- What each goal needs from you every month.
- How much sits in shares, how much in safer holdings.
- The funds we suggest, each with the reason written down.
- A side-by-side against what you own today.
- Any tax cost if we suggest moving something.
- Yearly checkpoints, so progress is easy to see.
- A summary you can read in five minutes.
- The detail underneath, if you want it.
- Every assumption written out, not hidden.
- Other options, where a sensible person might choose differently.
Get invested
The paperwork, handled by us. If you live abroad, all of it can be done remotely.
- Your KYC completed or updated, including from abroad.
- Accounts opened with the relevant fund houses.
- Your bank set up for monthly SIPs.
- First investments placed and confirmed.
- The handover arranged if you are moving from someone else.
- Your own login, so you can see everything yourself.
- Straight from your bank to the fund house.
- Your money never sits with us.
- The fund house confirms every transaction to you directly.
- Your full history is in your login.
Stay on it
The part most people never get. Reviews happen on a schedule, not when someone has something to sell.
- A combined statement every three months.
- A yearly review of where you are against where you wanted to be.
- Adjustments made to a plan you agreed, not to the news.
- Changes when your life changes, not when markets wobble.
- Someone who already knows your situation.
- A straight answer when something has done badly.
- Call any time between reviews.
- We raise things with you rather than waiting to be asked.
- Nominee and contact details kept up to date.
- A relationship measured in years, not transactions.
Step one costs nothing
A free review of your current portfolio, and an honest view either way.