Mutual fund & SIP investment plans built around your goals
Mutual funds, SIPs, ELSS tax-saving plans, retirement and child savings plans — compared across AMCs, explained in plain language, and reviewed every year.
One advisor, every AMC, no bias toward one fund house
Buying directly from a single AMC or bank means you only ever see their products. We work across asset management companies and insurers, so the plan we recommend fits your goal — not whichever product pays the biggest commission.
Whether you're saving for a child's education, building a retirement corpus, or just starting your first SIP, we start with your goal and timeline, then narrow the market down to two or three plans worth comparing properly.
- Unbiased comparison across AMCs and fund categories
- Risk profiling before any recommendation
- Plain-language explanation of lock-ins, exit loads & tax rules
- Help with KYC, folio setup and paperwork
- Annual portfolio review so your plan keeps pace with your goals
Types of Mutual Funds
Equity Funds
Debt Funds
Hybrid Funds
ELSS (Tax Saving)
Index Funds
Liquid Funds
Sectoral & Thematic Funds
International Funds
Children's & Retirement Funds
From goal-setting to yearly review
Set the goal
Retirement, education, a home — timeline and target amount first.
Risk profiling
A short assessment of how much market movement you're comfortable with.
Compare across AMCs
We shortlist funds and plans based on track record, cost and fit.
Set up & document
KYC, folio and paperwork handled, explained as we go.
Review yearly
We check performance against your goal and rebalance if needed.
Advice that isn't tied to one fund house
Independent by design
We're not tied to a single AMC or insurer, so there's no incentive to steer you toward one product.
Under one roof
Your investments sit alongside your insurance, taxation and loans — so recommendations account for your full financial picture.
Reviewed, not forgotten
Annual reviews and rebalancing keep your portfolio aligned with your goals as life changes.
Investment FAQs
What's the difference between a SIP and a lump-sum investment?
A SIP invests a fixed amount at regular intervals, which averages out market ups and downs and suits monthly income. A lump-sum is a one-time investment, which suits money you already have and want to deploy immediately, and works best when markets are reasonably valued.
How is a guaranteed return plan different from a mutual fund?
A guaranteed return plan promises a fixed payout regardless of market performance, so returns are lower but predictable. A mutual fund's returns are market-linked and not guaranteed, but historically offer higher long-term growth potential. We compare both against your goal and time horizon before recommending one.
Do tax-saving investments have a lock-in period?
Yes. ELSS mutual funds have a 3-year lock-in, currently the shortest among tax-saving options under Section 80C. Other tax-saving instruments like PPF and tax-saving fixed deposits carry longer lock-ins, which we factor in based on how soon you might need the money.
Is a ULIP an investment or an insurance product?
Both. A ULIP combines a life insurance component with a market-linked investment component in one policy. We compare it against buying term insurance and a separate mutual fund investment, since that combination is often more flexible and cost-effective.
What is the minimum amount needed to start investing?
Many mutual fund SIPs can be started from as little as ₹500 a month. The right starting amount depends on your goal and timeline, which we work out together before recommending a fund.
Which mutual fund is best for beginners?
First-time investors are usually better suited to large-cap or index funds, which are less volatile than sectoral or small-cap funds. We assess your risk comfort and goal before narrowing this down to specific fund recommendations.
How are mutual fund returns taxed in India?
Equity fund gains held over one year are taxed as long-term capital gains, while gains held under a year are taxed as short-term capital gains at a higher rate. Debt fund taxation follows separate rules based on your income slab. We factor this into which fund type suits your holding period.
Ready to put a goal-based investment plan in place?
Free, no-obligation consultation — takes about 15 minutes.