Goal-based investing and planning for salaried professionals and growing families, from your first SIP to bonds, retirement and tax saving.
Every service starts with your income, your goals and how much risk you are comfortable with. Begin with one area, or bring everything together in one plan.
A clear plan for your money, built around your income, your goals and how much risk you are comfortable with. We look at where you stand today, set short- and long-term goals with you, and map out a step-by-step roadmap for budgeting, saving and investing.
Help with choosing and managing mutual funds that suit your goals and risk profile. We explain the options across equity, debt, hybrid and tax-saving ELSS funds, and help you decide between a monthly SIP and a lump sum.
A careful look at the investments you already hold. We check them against your current goals, point out gaps, overlaps and too much money in one fund or sector, and explain the changes worth considering.
Work out the income you will need after you stop working, and how to build it. The earlier you start, the easier it gets. We bring NPS, PPF, EPF and mutual funds together in one plan that allows for inflation and healthcare costs.
Make full use of the tax deductions available to you, planned through the year instead of at the last minute. We explain options such as ELSS, NPS and health insurance under Sections 80C, 80CCD and 80D, so your tax saving also supports your goals.
Bonds pay a fixed rate of interest and can add stability and regular income to your portfolio. We help you understand and invest in options such as RBI Floating Rate Savings Bonds, Section 54EC capital gains bonds, and government and PSU bonds, and we explain the interest, lock-in, tax and risks of each before you invest.
These are part of your overall plan. Ask about any of them in your free consultation.
Work out how much life and health cover your family needs, based on your income, loans, dependants and goals.
Link every investment to a goal, such as your child’s education, a home or retirement, with a clear timeline and monthly amount.
Try the goal plannerPlan loan repayments alongside your savings, so your EMIs and your investments work together instead of against each other.
Four simple steps. You stay in control and decide at every stage.
A free initial consultation of about 30 minutes with Ritesh Kumar, in person, online or by phone.
We look at your income, expenses, existing investments, loans and goals, and how much risk you are comfortable with.
We explain the plan in plain language, including the risks and costs, so you can decide with confidence.
Investments are made in your own name. We review your progress regularly and adjust the plan as your life changes.
Simple rules we follow with every client, whichever service you choose.
Every investment is made in your own name, directly with the fund house.
Money goes from your bank account straight to the fund house. We never accept cash or payments into a personal account.
We will never ask for your OTP, PIN or login passwords.
Your KYC is completed through SEBI-registered KYC Registration Agencies (KRAs).
We are an AMFI-registered mutual fund distributor. We are paid by the mutual fund houses (AMCs) as commission on investments made through us in the regular plans of their schemes. You do not pay us any separate fee. The commission is part of the scheme’s expense ratio, which is shown in the scheme documents.
ARN: ARN-295056. You can verify it on the AMFI website (“Locate a Distributor”) (opens in a new tab).
Straight answers to the questions we hear most often.
Browse more answers, read our plain-language articles, or ask us directly.
Ask on WhatsAppIn most mutual funds you can start a SIP with as little as ₹100 a month, though the minimum differs from scheme to scheme. We usually suggest starting with ₹500 to ₹1,000 a month, an amount you can keep up comfortably, and increasing it as your income grows.
Mutual funds in India are regulated by SEBI and your units are held in your own name. They are market-linked, though: their value can go up or down and returns are not guaranteed. The level of risk depends on the type of fund and is shown on each scheme’s riskometer. Spreading your money across suitable funds, staying invested for the long term and choosing funds that match your risk profile all help you manage that risk.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
No. Bonds usually move less than shares, but they still carry risks: the issuer may fail to pay (credit risk), bond prices fall when interest rates rise, and some bonds are hard to sell before maturity. Government-backed bonds carry the least credit risk. We explain the interest, lock-in, tax and risks of each bond before you invest.
A common rule of thumb is 10 to 15 times your annual income. The right amount for you depends on your income, loans, dependants and future goals, so we work it out with you as part of your plan.
Call or WhatsApp us on +91 96314 42345, send us a message through the contact form, or book a free consultation online. We begin with a free 30-minute consultation to understand your goals, and then prepare a personalised financial plan for you. You decide whether and when to invest.
Your initial consultation is free. We are an AMFI-registered mutual fund distributor. We are paid by the mutual fund houses (AMCs) as commission on investments made through us in the regular plans of their schemes. You do not pay us any separate fee. The commission is part of the scheme’s expense ratio, which is shown in the scheme documents. You can read more on our Disclosures page.
Yes. You are welcome to meet us at our office, and we also work with clients across India by phone, video call and WhatsApp. NRIs living abroad can work with us too.
We are an AMFI Registered Mutual Fund Distributor, ARN ARN-295056. You can verify this on the AMFI website (“Locate a Distributor”).
Book a free consultation and let’s find the right financial solution for you.
