SIP planning
Starting or resizing a systematic investment plan — a fixed amount invested every month on a fixed date.
Services
What we help you do
Four things, described as what actually happens rather than as packages. All of them start with the same conversation.
Portfolio review
Going through what you already own: overlap, allocation, cost and whether it still matches the goal.
Goal-based planning
Working backwards from a house deposit, an education bill or retirement to a monthly number and a horizon.
Tax-saving (ELSS)
Section 80C planning under the old regime, and an honest look at whether it applies to you at all.
Service
SIP planning
An SIP — a systematic investment plan — is a fixed amount debited from your bank account on a fixed date and invested in a scheme you have chosen. That is the whole mechanism. It is not a product, it is a payment instruction.
The two decisions that matter are the amount and the category. We size the amount to what survives a bad month, not a good one, because an SIP that gets cancelled in year two was the wrong amount in year one. And we match the category to how long the money can be left alone.
What actually happens: a conversation about the horizon, a shortlist of suitable categories with their costs and their historical volatility, KYC if you have not done it, then a mandate set up with your bank.
Worth knowing before you start
- Rupee cost averaging is arithmetic, not protection. It buys more units when prices are low, and it does not stop the value falling.
- You can pause, increase, reduce or stop an SIP. Doing it in response to a falling market is the one time it usually hurts.
- Equity schemes are volatile over any period you would call short. If the money is needed in under three years, an SIP into equity is the wrong tool.
Service
Portfolio review
Most portfolios we are shown hold six or seven schemes doing three jobs. They were bought at different times, from different people, for reasons nobody wrote down. The value here is mostly subtraction.
We map what you hold onto one page: how much sits in equity, debt and hybrid; which schemes hold substantially the same companies as each other; what the whole thing costs you per year; and which holdings no longer connect to a goal you still have.
Where a change looks sensible we show you the cost of making it — exit load, the capital gains tax event, the paperwork — before you decide. Sometimes the honest answer is that an untidy portfolio is cheaper to keep than to fix.
Consolidation is a review, not advice. What you do with it stays your decision.
What to bring
- A consolidated account statement (CAS) from CAMS, KFintech or your depository. One PDF covers everything.
- Your goals, roughly. Even "this is the retirement money and that is the house money" is enough to work with.
- Anything you are already unhappy about.
Service
Goal-based planning
A goal is a number and a date. "Retirement" is not a goal; "roughly ₹2 crore in today's money, in twenty-two years" is something you can actually plan against, even though both halves of it will move.
We work backwards. What the thing costs today, what inflation plausibly does to that over your horizon, what you already have towards it, and therefore what the monthly number looks like. Then we look at the categories whose behaviour suits that horizon.
Often the arithmetic says the goal does not fit the timeline. That is useful information and we would rather deliver it in year one than year nine. Usually something gives: the date, the amount, or the monthly contribution.
Goals people bring us
- A house deposit in five to eight years
- A child's undergraduate fees, with a hard date
- Retirement, twenty years out
- An emergency fund, which mostly should not be in equity at all
Service
Tax-saving mutual funds (ELSS)
An ELSS — equity-linked savings scheme — is an equity mutual fund whose investments qualify for a deduction under Section 80C of the Income Tax Act, up to ₹1,50,000 a year, and which locks each instalment in for three years.
Two things people get wrong about it. The deduction is available under the old tax regime; if you have opted for the new regime it does not apply to you, and that is the first thing to check. And the returns are not tax-free — the deduction is on the amount you invest, while gains are taxed as equity gains when you redeem.
The three-year lock-in is per instalment, so an SIP into an ELSS unlocks in instalments too. It is also the shortest lock-in among the common 80C options, which is a fact about liquidity, not a claim about returns.
Tax rules change and depend on your circumstances. Confirm your position with a qualified tax adviser before you act on any of this.
Before the March rush
- Check which regime you are in. That decides whether 80C matters at all.
- Count what already fills 80C — EPF, life insurance premium, home loan principal, school fees. The gap is often smaller than people expect.
- An ELSS is a genuine equity investment with a lock-in, not a deposit. It can fall, including on the day the lock-in ends.
What every one of these has in common
No in-house product
We are not owned by an asset management company and we have no product of our own, so there is no shelf we are trying to clear.
One commission model
You are not charged a separate fee. We are paid a trail commission by the fund house, already built into the scheme's expense ratio.
Your name on the units
Money goes from your bank account to the fund house. We never hold client funds or securities.