Frequently Asked Questions

We help clients with mutual fund investments, tax planning, health insurance, and term insurance, ensuring complete financial well-being.

Mutual funds provide diversification, professional management, and long-term growth potential, making them more effective than traditional savings options.

Yes. ELSS (Equity Linked Savings Schemes) qualify for deductions under Section 80C, while providing market-linked returns.

Not at all. You can start with just ₹500 per month via SIP, making investing affordable for everyone.

No. Mutual fund returns are market-linked and carry risks, but disciplined investing has historically delivered superior returns.

Financial planning is a structured approach to managing your income, expenses, savings, investments, and risks. It ensures you achieve life goals like buying a house, securing your child’s education, planning for retirement, and protecting your family.

Investing is only one part of financial planning. A complete plan includes:
• Budgeting & cash flow management
• Emergency fund planning
• Insurance planning (health, term, life, general)
• Tax planning
• Goal-based investing
• Retirement planning
• Estate planning

1. Assess your current financial situation (income, expenses, assets, liabilities).
2. Define short-term and long-term goals.
3. Create a budget and savings plan.
4. Invest in suitable assets (mutual funds, equity, debt, insurance, etc.).
5. Review and adjust regularly.

We conduct a risk profiling and goal analysis to understand:
• Your life stage (young professional, family with kids, nearing retirement).
• Your risk tolerance (conservative, balanced, aggressive).
• Your goals (house purchase, children’s education, retirement, etc.).
• Your tax-saving needs.
Then we design a customized financial roadmap.

An emergency fund acts as a financial safety net for unexpected events like job loss, medical emergencies, or urgent expenses. It should ideally cover 6–12 months of living expenses, kept in liquid instruments like savings accounts or liquid mutual funds.

A simple rule is to save at least 15–20% of your income towards retirement. We calculate your retirement corpus based on expected lifestyle, inflation, and years to retirement, and then design a suitable investment mix.

We project future costs (considering inflation) and then create an investment plan using equity mutual funds, debt funds, or a mix of assets to ensure funds are available when needed.

Smart tax planning ensures you retain more of your income. We use instruments like ELSS, NPS, PPF, health insurance, and term insurance to reduce tax liability while achieving financial goals.

At least once a year or after major life changes (job change, marriage, child, buying property). Regular reviews ensure your plan stays on track.

Yes! The earlier you start, the more wealth you can build.
• Young professionals → Focus on investments & risk cover.
• Mid-career → Balance between wealth creation & protection.
• Near retirement → Focus on safety, income stability, and estate planning.

• Not starting early.
• Ignoring inflation.
• Not having adequate insurance.
• Mixing insurance with investment.
• Not reviewing plans regularly.

Health insurance protects you from unexpected medical expenses, ensuring your savings and investments remain intact in case of emergencies.

We guide clients in choosing individual, family floater, and critical illness health insurance plans, based on their needs and budget.

Yes. Under Section 80D, you can claim deductions for premiums paid on health insurance for yourself, spouse, children, and parents.

Coverage should ideally equal at least 5–6 times your annual income, considering rising medical costs. We help customize the right plan for you.

Term insurance is a pure life cover that ensures your family’s financial security if something happens to you. It’s the most cost-effective way to safeguard dependents.

Ideally, your cover should be 10–15 times your annual income, adjusted for liabilities like loans and your family’s future needs.

Yes. Premiums paid qualify for deductions under Section 80C of the Income Tax Act. Additionally, the death benefit is generally tax-free under Section 10(10D).

Term Insurance: Pure risk cover, high sum assured at low premium, no maturity benefit.
Traditional Life Insurance: Combines insurance + savings, but returns are usually low compared to mutual funds.

Yes. In fact, an ideal financial plan starts with protection (health + term) and then moves towards wealth creation (mutual funds, tax planning, retirement savings).