Question 1

Are you a financial advisor?

Accepted Answer

No — and legally, the word matters. I am a mutual fund distributor, not a SEBI-registered investment adviser. I earn commission from fund houses on investments made through me, and I can help you select and execute mutual fund schemes — I do not provide fee-based investment advice or financial planning services. If your situation needs full fee-based planning, a SEBI-registered investment adviser (RIA) is the right professional, and I’ll say so.

Question 2

What do you charge me?

Accepted Answer

Nothing, directly. The fund house pays me a trail commission out of the expense ratio of regular plans — typically 0.5%–1.5% per year of your invested value. You see scheme-wise rates before you invest. See “Mera commission, aapke saamne” above.

Question 3

Why not just use Groww or Zerodha?

Accepted Answer

Use them — they execute brilliantly. What an app won’t do is notice that your three funds own the same twelve stocks, or that your 2031 house money is sitting in small-caps. If you can do that yourself, you genuinely don’t need me.

Question 4

Is my money ever with you?

Accepted Answer

Never. Money moves directly between your bank account and the fund house, in your name, through regulated channels. I cannot touch it — by design, not by promise.

Question 5

What’s the minimum to start?

Accepted Answer

No minimum. A ₹2,000 SIP mapped to a real goal beats a ₹50,000 random one. The conversation is the same either way.

Question 6

Mutual funds risky hain kya?

Accepted Answer

Yes — that’s what the disclaimer at the bottom of this page actually means. Funds can lose value; different categories carry different risks. The honest job is matching the risk a goal can afford to the scheme that takes it. Read the scheme documents; I’ll walk you through them.

What did my lifestyle upgrade actually cost?

The lifestyle inflation trap

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