Nobody wants a mutual fund. People want a daughter's college fees paid in 2038, or to stop working at 58 without a pay cut. Put the goal in below and the site tells you what it costs a month. Then we talk about which funds, and only then.
Pick what you are saving for, when you need it and how much in today's money. We add inflation, work backwards, and show you how much of the final corpus is your money versus returns.
A lumpsum invested on day one has longer to compound and usually wins on paper. A SIP wins in real life, because most people do not have the lumpsum and do not have the nerve. Both curves are drawn below.
The lumpsum curve invests the same total money on day one. That is the fairest comparison, and it is also usually impossible.
Risk tolerance is not what you say in a calm market, it is what you do in a falling one. Answer these the way you actually behaved in 2020 and 2022, not the way you would like to have behaved.
Six short questions on the left. Nothing is stored.
Good advice is boring and repetitive. We meet, we set the plan, we review it twice a year, and in between we mostly tell people not to do things.
Ninety minutes, no products discussed. Income, obligations, insurance, emergency fund, and what you actually want the money for. Free, and about a fifth of these end with us telling someone to clear debt first.
Goals, timelines, the monthly amounts and the asset mix, in a document you keep. Fund choices come last and take up one page of about nine.
Rebalance if drift is over 5%, adjust for income changes, and check whether the goal has moved. Half an hour on a call is usually enough.
When markets drop 15% we call you, not the other way round. This is the entire job. Anyone can pick a fund in a rising market.
Sixteen years, previously in a bank's wealth desk and glad to have left. Handles goal planning and family portfolios.
Handles retirement and estate-linked planning. Will make you read the scheme information document, and check that you did.
We are a distributor, not a fee-only adviser. The asset management company pays us a trail commission out of the fund's expense ratio, which means you pay it indirectly whether you come through us or go direct. We do not charge you anything on top.
If you would rather hold direct plans and pay us a flat fee instead, say so and we will do that. Roughly one in nine of our clients does.
Read all scheme related documents carefully before investing. Past performance is not indicative of future returns. The projections on this page use a fixed annual rate that no fund delivers in a straight line; actual outcomes will differ, sometimes by a lot, and in some years the value of your investment will fall.
NIVESH Advisory is an AMFI-registered mutual fund distributor, ARN-118246. We are not investment advisers under SEBI (Investment Advisers) Regulations, 2013, and nothing on this page is a recommendation to buy or sell any specific scheme.
Direct plans cost 0.5–1% less a year, which over twenty years is real money. They are the right answer if you will genuinely rebalance, stay invested through a crash and not chase last year's top fund. Most people do not, and that behaviour gap costs more than the commission. Decide honestly; we will work either way.
For a diversified equity portfolio over 15 years or more, 11–12% is a defensible planning assumption. Anyone quoting 18% is showing you a bull-market backtest. For debt, 6–7%. Plan at the lower end and treat anything better as a bonus.
Equity funds: 20% short-term if sold inside a year, 12.5% long-term above the ₹1.25 lakh annual exemption. Debt funds bought after April 2023 are taxed at your slab rate regardless of holding period. Rules change; we recheck this at every review and tell you before you redeem.
A charge for leaving early, typically 1% if you redeem within a year on equity funds. It is deducted from your redemption, not billed. Most goal-linked investing never touches it, which is rather the point.
No. A falling market is the only time a SIP does the thing it exists for, which is to buy more units for the same money. In March 2020 we had 41 clients ask to stop and 3 who actually did. The 38 who stayed are the reason this answer is short.
Yes, except for clients resident in the United States and Canada, where most AMCs will not accept fresh investments because of FATCA compliance. Existing folios can usually continue; we will check yours before promising anything.
Ninety minutes, no products discussed, no obligation. Ahmedabad in person or anywhere on a video call.