Mutual funds investment advisory

Coverage period: ongoing

Scope of Service

1. Risk profile assessment.

2. Investment planning to include:

• Quantifying investable capital and immediate cash flow requirements to establish portfolio design.

• Conducting discovery sessions to identify specific financial milestones including monthly passive income needs, family celebrations, and major asset replacements.

• Determining a "Date of Need" for every financial objective to ensure the investment horizon for each capital portion is accurately mapped.

• Applying inflation-indexed adjustments to future expenses to ensure the designated funds maintain their real purchasing power at the time of withdrawal.

• Performing a formal risk tolerance assessment to categorize the investor’s profile and determine the optimal balance between growth and stability.

• Structuring a bucket portfolio strategy to strictly segregate near-term spending requirements from long-term wealth restoration engines.

• Developing a diversified asset allocation framework across equity, debt, and gold based on time-horizon segmentation and risk constraints.

• Formulating a staggered market entry strategy using Systematic Transfer Plans (STP) over 10 to 12 months to neutralize market volatility.

• Engineering automated cash flow mechanisms via Systematic Withdrawal Plans (SWP) that include buffers for projected capital gains tax liabilities.

• Selecting mutual fund schemes using multiple parameters, to ensure selected funds have demonstrated consistency across multiple market cycles.

• Providing administrative oversight for account setup including the coordination of Mutual Fund Utilities (MFU) registration, KYC validation, and nomination alignment.

• Developing visual financial models and growth projections to demonstrate the mathematical logic and long-term impact of the proposed strategy.

• Drafting a comprehensive written Investment Plan for formal digital sign-off to authorize the commencement of the investment roadmap.

3. Implementation services through a mobile app and web platform: mutual funds purchase, SIPs, withdrawals, portfolio performance analysis.

4. Ongoing Support:

• Monitor performance of all investment schemes against their respective benchmarks to identify any sustained underperformance.

• Continuous oversight of scheme changes, such as fund manager departures asset allocation, investment philosophy, to evaluate the long-term impact on the portfolio.

• Portfolio rebalancing conducted annually, typically during the anniversary month, to ensure the asset allocation remains aligned with the target risk profile.

• Rebalancing actions when an asset class deviates by more than 5% from its target to minimize unnecessary transaction costs and capital gains taxes.

• Automated investment processes, including Systematic Transfer Plans (STP) and Systematic Investment Plans (SIP), audited to ensure operational efficiency.

• Capital protection strategy for long-term goals by shifting required funds from equity to debt approximately one year before the target date of need.

• Risk profile is reassessed every year to determine if changes in financial status or market comfort allow for a recalibration of equity exposure.

• Ongoing oversight of Systematic Withdrawal Plans (SWP) to ensure monthly income remains consistent while accounting for inflation and tax liabilities.

• Digital access via a dedicated application for real-time tracking of portfolio value, scheme performance, and both realized and unrealized capital gains.

• Portfolio adjustments reviewed for tax efficiency to ensure that any redemptions or switches do not incur excessive capital gains liabilities.

• Periodic reviews to adjust financial goals based on updated inflation and investor inputs, ensuring the corpus remains sufficient for its intended future use.

• Advisory services provided on a fiduciary, no-commission basis to ensure all ongoing recommendations are objective and independent of product manufacturers.

5. Quarterly updates via email on plan and portfolio performance.
6. Half Yearly review and detailed discussion on plan and portfolio performance.

Exclusions

• Financial advice or reviews other than mutual funds portfolio.

• Advice on stocks and shares.

• Advice on insurance coverage.

• Portfolio reviews on demand.

• Tax filing or advice.