How the plan is made
Five steps, one sheet of paper
The first three steps take one conversation of about 40 minutes. You get the written plan within three working days.
- 01
We understand you
Income, family, what you already hold (FDs, PF, policies, funds) and what you spend each month. No document upload needed at this stage.
Day 1, about 20 minutes - 02
Your risk profile
Six questions on how you react when markets fall and how long you can stay invested. You can take the same quiz below right now.
Day 1, 2 minutes - 03
The goals list
Each goal gets a year and today's cost, then we add inflation. A ₹10 lakh college fee 12 years away is closer to ₹20 lakh at 6% a year.
Day 1, about 15 minutes - 04
The asset mix
How much goes to equity, debt and gold for each goal, and which fund categories carry it. Short goals sit mostly in debt, long goals mostly in equity.
Written plan in 3 working days - 05
Review every 6 months
We check progress against each goal, rebalance if the mix has drifted by more than 5%, and step up the SIP when your salary goes up.
Twice a year, on WhatsApp or a call
Risk profile quiz
How much market ups and downs can you sit through?
Six questions. Pick the answer closest to what you would actually do, not what sounds right. The result shows an illustrative mix of equity, debt and gold.
This quiz is a starting point for a conversation, not investment advice. Your final mix depends on goals, timelines and existing holdings.
Goals we plan for
Start with the goal that worries you most
Each goal has its own page with typical numbers and the questions people ask us.
Retirement
The corpus that pays your monthly bills after the salary stops, for 25 years or more.
25xyearly expenses, a rough corpus rulePlan retirementChild education and marriage
College fees and wedding costs rise faster than prices at the grocery store.
8 to 10%education cost inflation, assumedPlan for your childSaving tax
ELSS under 80C with a 3-year lock-in, and health cover under 80D.
₹1.5 lakh80C limit, old regimeSee tax savingWealth through SIP
A fixed amount every month into a fund category that suits the goal.
₹500a month to startStart a SIPProtecting the plan
Term and health cover so one hospital bill or one bad event does not undo ten years of saving.
10 to 15xannual income, term cover ruleCheck insuranceGoal calculator
What one goal needs each month
Change the target, years and assumed rate. The figure is an illustration, not a promise.
Assumed rate for illustration. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.
What you get
Four things, in writing
- A written plan. Every goal with its year, target amount, monthly SIP and the assumed rate used, in a PDF you keep.
- A fund shortlist by category. Which categories carry each goal (large cap, flexi cap, hybrid, debt, liquid) and why, with the split in rupees.
- An insurance gap check. Term cover you have against what your family would need, and health cover against today's hospital costs.
- A tax view. What already counts under 80C and 80D, and whether ELSS fits before you buy another policy for tax.
We are a mutual fund distributor. We are paid by the fund houses through commission on regular plans, not by you. We tell you this up front.
People we plan with
What changed once it was on paper
First names only. Each one started with the same goals call.
We had six policies and no idea what they covered. The plan showed we were short on term cover and paying for two endowment plans we did not need.
I only wanted to save tax. They showed me one ELSS SIP did the job of the policy I was about to buy, and the rest went to my daughter's education goal.
The six-month review is the part I like. Last time they raised my SIP by ₹2,000 after my increment, and nothing else changed.
We are both 52. They kept most of our money in debt and hybrid funds, which is what we needed to hear rather than chasing returns.
Clear numbers. A retirement target, a monthly figure and a written note on what happens if markets have a bad year.
Do you charge for the plan?
No. The first written plan and the six-monthly reviews are free. We earn commission from fund houses when you invest through regular plans with us.
Are you an investment adviser?
No. We are an AMFI-registered mutual fund distributor, not an investment adviser, and work with partner insurers for insurance. The plan is a distributor's goal plan, explained in plain numbers.
What return do you assume in the plan?
We use an assumed rate for illustration, usually 10% to 12% for equity, 6% to 7% for debt, and show what happens at a lower rate too. These are not promises.
I already have funds and policies elsewhere. Do I have to move them?
No. We include them in the plan as they are. If something does not fit a goal, we explain why and you decide.
How much do I need to start?
A SIP can start at ₹500 a month. Most plans we write start between ₹3,000 and ₹15,000 a month across all goals.
What happens at the six-month review?
We compare each goal against the target, rebalance if equity or debt has drifted more than 5% from the plan, and update for any change in income or family.
Put your goals on one page this week
Send your main goal on WhatsApp. We reply within working hours and fix a 40-minute call.
AMFI-registered Mutual Fund Distributor. ARN: [to be added]. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future. Return figures on this page are assumed rates for illustration.