MrigashiraInvestments that actually move you toward your goals.
Most people own a random collection of funds that different people sold them at different times. Investment planning replaces that collection with 1 portfolio where every rupee has a job, built around your goals and the risk you can actually live with.
The assessment is free.
What you get
- A portfolio built from your goals, not a model copied for everyone
- Asset allocation and diversification matched to your risk profile
- Direct plans only, so no commission is taken from your money
- Ongoing monitoring, reviews, and rebalancing through the year
What is investment planning?
In simple words, it is deciding 3 things before any money moves: what you are investing for, how long that money can stay invested, and how much of a fall you can sit through without panicking. Once those 3 are clear, choosing where the money goes becomes much easier, and much harder to get wrong.
Without a plan, investing usually means buying whatever was pitched most recently, a fund from 1 agent, a policy from another, some stocks from a tip. Each piece might be fine on its own, but together they pull in different directions. A plan makes them pull in 1 direction: yours.
How we help you with investment planning.
Asset allocation and diversification
We work out how your money should be split between equity, debt, and everything else, based on your goals, your timelines, and your behaviour, not on what the market did last month. Then we spread it out so that no single fund, sector, or bad year can sink the whole plan. This 1 decision matters more than any fund pick, which is why we do it first.
Goal and milestone planning
A house in 5 years, a child's education in 15, retirement after that, we put a date and an amount on each goal, and then work backwards to what you need to invest every month to get there. Money with a purpose behaves better than money lying around, and so do the people who own it.
Fund selection, in direct plans only
We tell you exactly which funds fit your plan and why, and everything we recommend is a direct plan, the version with no commission built in. If you already hold regular plans, we show you in rupees what they are quietly costing you and help you switch. Over 20 years that 1 change alone can be worth more than every fee you will ever pay us.
Monitoring, review, and rebalancing
Markets drift, and slowly your carefully planned portfolio stops looking like the plan. Through the year we watch it, rebalance it when it strays too far, and review it with you when your life changes. And when markets fall, because they will, we are the voice telling you what actually needs doing, which is usually much less than the panic suggests.
What actually changes.
Drawn from real advisory work, the details are an illustration, not a promise.
| Situation | With a plan | Without 1 |
|---|---|---|
| Where the money goes | 1 portfolio with a clear split across equity and debt, sized to each goal and its date. | A pile of funds bought from different sellers at different times, pulling in different directions. |
| What it costs | Direct plans with zero commission, roughly 1% a year stays invested and compounds for you. | Regular plans quietly paying a distributor every year, whether the advice was good or not. |
| When markets crash | A plan you understood on the way in, and an adviser to call before you do anything drastic. | Panic selling near the bottom, and a vow to never invest again, until the next rally. |
This is 1 pillar of 1 plan.
We do not sell investment planning separately, and honestly, it would not work as well alone, your investments, insurance, cards, loans, and retirement all affect each other. Everything on this page is part of the 1 plan you get for 1 flat annual fee.
Honest answers about investment planning.
Yes. The plan is not vague theory, it names the funds, the amounts, and the reasons, all in direct plans. You always know exactly what to do next, and you can ask us why about any of it.
No. We start by reviewing what you already hold. Whatever fits the plan stays, whatever does not gets a clear exit path, done tax-aware and without hurry. Very few people need to start from zero.
The honest answer is that your portfolio will fall too, nobody can prevent that. What the plan does is make sure a fall never forces you to sell at the worst time, because money you need soon was never in equity to begin with. And we are 1 call away before any big decision.
Start with the free part.
Each assessment takes about 9 minutes and costs nothing. See what it says about you, then decide if you want the full plan.
The assessment is free.