Vignesh Kamath

I do not charge for the first consultation / Basic Tax liability evaluations.

Yes I earn a Commission from the Mutual Fund companies once you start investing with them.
The commission is paid out from your fund and lasts till you make a withdrawal.

It is approximately 0.51% (as on FY25) per annum.

Since it is a percentage it means,
My income will go up as your fund value grows
On the other hand my income falls if your fund value falls.

Hence we are in the same boat.

Since Bank Deposits generate very low returns (about 6%), Bank Deposits are ideal for smaller targets or short term targets.Even though bank deposits are considered safe investment, the returns are usually low and may not keep up with inflation.Hence they have a hidden risk - The Risk of not reaching our Goal.

For example,

A INR 1 Crore Target to be achieved in 25 years , becomes a INR 3.38 Crore target due to inflation.
To achieve this a 6% bank Deposit will need a investment of about INR 48,900/month
Even a person who has a budget of INR 20,000/month will only make INR 1.39 Crore in 25 years on a 6% bank deposit.

Not reaching a target can be painful , especially if the target is Retirement :

• When we mostly do not have a Salary.
• When we suddenly realise we have to survive 15-30 years without a salary.
• When banks mostly refuse loans due to no salary.
• When our family / friends are also retired !

Direct Plans are like owning a Car and driving it ourselves.

We do not pay the driver's Salary , but then we need to pay attention to the road , navigate the car, make decisions that could impact us as well as others around us and we can not be distracted !

On the other hand , Regular Plans are like sitting in the backseat and allowing the driver (Mutual Fund Distributor) to make all the critical decisions , we get to enjoy family time or even work while the car takes us to our destination.

I work in a Commission based business model , meaning I can only earn a fee, for as long as you remain invested in a "Regular Plan" with me.

This also means my commissions will increase the more you invest with me, and more you retain your investments with me, making us sail in the same boat !

In case you still wish to look for a fee-based advisor , please only work with those that are recognised with SEBI.

Link :
https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

Index Funds are a type of Mutual fund that copy a list of stocks - this list is called an Index.

For Example:
A Nifty 50 Index Fund will copy the Nifty 50 Index , and so will Buy & Hold the 50 stocks that are part of Nifty 50 List. This fund will also change their stocks as and when the list (Nifty 50) changes.

Index Funds may or may not be better than other funds in specific scenarios, Please reach me for a detailed discussion on this.

Choosing the best Mutual fund is like "choosing the best Train/Air-plane" - We need to know the Destination and time to reach it.

Similarly the best mutual fund changes as per our Target amount and time left for target.

Please reach me for a detailed discussion on this

Mutual Funds are like Trains/Air-planes , Once we choose them - we must only get down (Withdraw) after the journey ends (Target is reached).

If we get down before,there is a chance we will get hurt (Suffer a Loss) !

Do reach me for a more detailed discussion.

Lets say an investor buys a Super-Car.
But then at some point , the investor gets stuck in traffic,

Just because the Super-Car is stuck in traffic, does not mean it is "under-performing" !

Similarly most mutual funds, at some point when the markets fall , will show low or even negative returns.

This may not mean that they are under-performing.

All it means is that when the markets recovers , the fund will also show better returns.

Just like the Speed of a Car is dependant on the traffic , the returns generated by a mutual fund are dependant on the Stock Market.

This is called as "Market Risk" or "Market Linked Returns".

Just like with Trains/Air-planes,For different destinations (Targets),we have separate Mutual funds.

Some are meant for 3 days ,
others for 3 months ,
yet others for 3 years ,
and even others for 30 years!

Low risk Mutual funds are like low power 2-Wheelers ,their speed is slow so we see low risk.

But then,
It will take a very long time if we use them to Travel Abroad !

Just like our destination decided if we use a low power 2-wheeler or an airplane for travel, our Target Amount and Target Time should decide the mutual Fund.

High risk Mutual funds are like Airplanes, Their speed is extremely fast and reach long distance in short time

But then,
We cannot use them to visit the neighbourhood for shopping !

Just like our destination decided if we use a low power 2-wheeler or an airplane for travel,

Our Target Amount and Target Time should decide the mutual Fund.

Most Liquid Funds credit amounts up to INR 50,000 within seconds to the bank on all days,

The official timeline is 30 Minutes.

Other Funds will take between 1 to 5 working days , depending on the type of Mutual fund.

Do reach me for a more detailed discussion.

We can start with even INR 100!
But , the more we invest, more returns we can make , for example :

A 1 year Bank FD @ 6% of INR 10,000 gives INR 600 in 1 year.
A 1 year Bank FD @ 6% of INR 1,00,000 gives INR 6,000 in 1 year.

DeMat Account is not compulsory for mutual fund investments

Mutual funds allow us to invest monthly as well as one-time, and also a mix of both !

For example :
One could invest INR 10,000 each month,
Then when one received a bonus/variable, they can invest that as a one time.

Investment pattern should be as per your own cash flow.

If you are salaried then monthly SIP may suit your more,
If you have irregular income or running a business , one time investments when ever money comes in , may suit you more.

For best results, one should combine Monthly and one time investments.

Do reach me for more details on this.

Unlike an insurance policy where non-payment of premium can lead to policy inactivation,

Mutual fund investments will stay active & continue to earn returns even if you miss an SIP.

Mutual Funds do not charge for non-payment of SIP instalments,

But your bank may charge you for missing the auto debit payments.

Sure we can , all we need is a joint Bank account and the birth Certificate for your daughter/son !

Definitely Yes !
And there are no extra charges for this facility !

Do reach me in case you need more details on "how to".

A monthly investment of 5,000 is expected to make a Crorepati in 22 to 26 years

A monthly investment of 10,000 is expected to make a Crorepati in 18 to 21 years

A monthly investment of 15,000 is expected to make a Crorepati in 15 to 17 years

A monthly investment of 20,000 is expected to make a Crorepati in 13 to 15 years

Sure!
In fact , anything from 3 days to 30 Years or more into the future can be provisioned for !