1. Risk profile
Each investor completes a dated risk profile (age, income, goals, time horizon, ability and willingness to take risk). We keep it on file and refresh it when circumstances change.

2. Shortlisting
We look only at SEBI regulated mutual fund schemes, Regular Plans, from AMCs we hold empanelment with. We review category, track record across market cycles, portfolio quality, expense ratio, fund size and exit load.

3. Matching
A scheme is matched to the investor's risk profile and time horizon. We note the reason in writing.

4. Unsuitable requests
If an investor asks for a scheme that looks unsuitable for their profile, we explain the concern. If they still choose to proceed, they sign an acknowledgement that the decision is theirs and their rights stay intact. We do not ask anyone to waive any right.

5. Review
We look at the portfolio at least once a year and when the investor's circumstances change.

6. No assured returns
We never promise or guarantee returns, and past performance may not continue.

This page is general education about our process and not individual investment advice. Mutual Fund investments are subject to market risks. Read all scheme related documents carefully.