Is this actually free? No catch?+
Yes — completely free to you. We earn trail commission from AMCs (mutual fund companies) when you invest through us in Regular Plans. This is how MFDs work in India, regulated by SEBI and AMFI. We earn when you stay invested, so we're motivated to give you genuinely good advice.
Why would you advise me for free? What's in it for you?+
Trail commission. Once you invest, we earn roughly 0.3–1% per year of your invested amount from the AMC — every year you stay invested. So if you invest ₹10 lakhs and it grows to ₹20 lakhs over time, our earnings grow proportionally. We're financially incentivised to grow your money, not just charge for advice.
Am I paying more through Regular Plans vs Direct Plans?+
Regular Plans have a slightly higher expense ratio than Direct Plans (typically 0.5–1% more per year). That difference is the distributor's trail commission. In exchange, you get personal guidance, goal-based planning, ongoing review, and someone to call when markets are volatile. Whether that tradeoff is worth it depends on your situation — and we'll tell you honestly.
Can I switch to Direct Plans later?+
Absolutely, at any time. Submit a Change of Distributor / Direct Switch request to the AMC. Your investments stay intact. Note: switching is treated as a redemption for tax purposes, which may trigger capital gains. We'll model this for you without any pressure.
Is there any obligation after the free consultation?+
None whatsoever. We give you the written plan. You can implement it yourself, go direct, use another distributor, or come back to us. The plan is yours — no strings attached.
