Five stages, no surprises, and you can stop at any one of them.
H2 is not owned by an asset management company and has no in-house product of its own to push. There is no shelf we are trying to clear, so the conversation can start with what suits you rather than with what we happen to be selling.
The money moves in one direction, and it never passes through us.
Where is H2 in all this? Beside the path, not on it. We help you choose and we handle the paperwork — but your money never comes to us and we never hold your units.
Every scheme is sold in two versions. The direct plan carries no distributor commission in its expense ratio. The regular plan — the one you get through us — includes a trail commission, paid to us by the fund house every year for as long as you hold the units, calculated as a percentage of what you hold. Same portfolio, same fund manager, different cost.
That commission is not a gift from the fund house. It comes out of the regular plan’s expense ratio, which means you bear it — commonly around half a percent to one percent a year, depending on the scheme and the category. It is real money and it compounds against you. All else equal, a direct plan will leave you with more.
We offer regular plans only. If you have been through a full market cycle, you rebalance on schedule, and you did not stop your SIP the last time markets fell twenty percent — a direct plan is the right choice and you do not need us. If that is not you, what you are paying for is not access to the scheme; it is what happens in the years afterwards. There is more on this in how we are paid.
What you are investing for, how long the money can be left alone, and how you would feel if the value fell for a year. Nothing is sold on this call and there is no charge for it.
If it turns out you would be better off going direct, or paying a SEBI-registered investment adviser for a fee-only plan, that is what we will tell you.
We put suitable scheme categories in front of you and explain the trade-offs in plain language — what each one holds, how much it has historically moved about, what it costs, and what would have to happen for it to fall.
We compare categories, not named schemes, in anything we publish. In a private conversation we will of course discuss specific schemes with you; what we will not do is tell you which one to buy.
KYC through a KRA — a KYC Registration Agency — needs your PAN, Aadhaar and a bank account in your own name. We walk you through it and check the form before it goes anywhere.
The money moves from your bank account to the fund house. The units are allotted in your name, with your nominee on the folio. We never take custody of it.
This is the part that actually decides the outcome, and it is mostly uneventful. A review at an agreed interval: has anything changed in your life, is the allocation still roughly where it was meant to be, is anything doing a job that something else is already doing.
Most reviews end with no change. That is a good review, not a wasted one.
They will. When it happens you will hear from us, and what you hear will be what actually happened, in numbers, without adjectives.
We will restate what your plan already assumed about volatility and offer to talk it through. We will not tell you to buy the dip, and we will not tell you that markets always recover, because we cannot promise you that.
Setting the limits out loud is easier than explaining them later.
Before you talk to anyone, it helps to see what a monthly amount does over time at a rate you pick. The calculator does not forecast anything — it just compounds the assumption you type in.
Tell us what you are trying to plan for and we will walk you through the options — how SIPs work, what a scheme document says, and what to check before you invest. No cost, no obligation.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
