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AMFI Registered — ARN-342847 · Our Services

Goal-Based Financial Services

Built Around Your Behaviour

From your first SIP to a stress-free retirement — every service we offer is structured, SEBI-compliant, and designed around your long-term financial goals, not short-term noise.

ARN-342847 · AMFI Registered
BSE Star MF · CAMS · KFintech
AMFI & SEBI Compliant
SIP & Goal Investing

Invest Systematically.
Reach Goals Confidently.

A Systematic Investment Plan (SIP) is not just a product — it is a discipline. We help you link every SIP to a specific life goal — child's education, home purchase, or wealth creation — so your money always has a purpose and a timeline.

  • Goal-tagged SIPs — every rupee knows where it is going
  • Frequency options: monthly, weekly, or daily SIP as per cash flow
  • Step-Up SIP designed to match your annual income growth
  • Rupee-cost averaging to reduce timing risk automatically
  • SIP review at 6-month intervals to stay on track
  • Regular compliance-backed documentation at every step
Start Your SIP Today →

Why SIP Works for You

₹5,000
Minimum SIP to begin
your wealth journey
Power of Compounding
Small consistent amounts grow significantly over a 10–20 year horizon through the compounding effect
Rupee Cost Averaging
Buy more units when markets fall. Your long-term average cost stays low.
Mutual fund investments are subject to market risks. Past performance is not indicative of future results. Please read all scheme-related documents carefully before investing.
How It Works

Your SIP Journey — Step by Step

A simple, transparent process from first conversation to first investment

✓ Formal risk profiling is conducted before any scheme is recommended — as mandated by AMFI/SEBI guidelines.

1
Discovery Call

We understand your income, expenses, existing investments, and financial goals in a 30-minute session.

2
Goal Mapping

Each goal is assigned a timeline, target corpus, and an appropriate fund category — equity, debt, or hybrid.

3
KYC & Onboarding

Paperless KYC through CAMS / KFintech. NRI clients complete FATCA & in-person or video-based verification.

4
SIP Activation

SIP mandates are set up on BSE Star MF. Auto-debit activated from your bank. You sit back and invest.

5
Review & Rebalance

Bi-annual portfolio reviews ensure your SIP remains aligned with your goal timeline and risk profile.

✓ Ideal For

  • Salaried professionals with a steady monthly income
  • First-time investors starting their wealth journey
  • Parents planning for child's education or marriage
  • Anyone with a 5+ year investment horizon
  • NRIs seeking INR-denominated long-term growth

✕ Not Suitable For

  • Investors seeking guaranteed or assured returns
  • Those needing capital within the next 1–2 years
  • Individuals with very low risk tolerance for short-term volatility
  • Anyone expecting fixed monthly payouts from equity SIPs
FAQs

Common Questions on SIP

Yes. SIPs can be paused for 1–3 months or cancelled at any time without penalty. The units already accumulated remain invested and continue to grow until you redeem them.
A Step-Up (or Top-Up) SIP lets you increase your SIP amount annually — say by 10% — in line with salary increments. This helps you reach your goal corpus faster without requiring a lump sum at any point.
Most open-ended mutual fund SIPs have no lock-in except ELSS (Equity Linked Savings Scheme) funds which carry a 3-year lock-in per instalment. We will clearly disclose lock-in terms for every scheme before investment.
Capital gains from equity SIPs held for more than 1 year are taxed at 12.5% (LTCG above ₹1.25 lakh). Short-term gains (held less than 1 year) are taxed at 20%. Debt fund gains are taxed per your income tax slab. We recommend consulting your CA for personalised tax advice.
Portfolio Review

Know Exactly Where
Your Money Stands Today.

Many investors accumulate funds over years without reviewing whether those funds still serve their goals. Our structured portfolio review helps you understand what you own, whether it is working, and what needs to change — based on data, not emotion.

  • Consolidated view across all AMCs via CAMS / KFintech CAS
  • Performance benchmarking against category averages
  • Overlap analysis — identify hidden concentration risk
  • Asset allocation check: equity vs. debt vs. gold
  • Goal alignment audit — is each fund still mapped to a goal?
  • Written review report shared post every session
Book a Portfolio Review →

What We Review

Returns
Absolute & XIRR vs. benchmark. Are your funds keeping pace?
Risk
Volatility, Sharpe ratio, and drawdown analysis across your portfolio
Allocation
Whether your current equity-debt split matches your risk profile and timeline
Portfolio review is advisory in nature. All investment decisions remain with the investor. Mutual fund investments are subject to market risks.
How It Works

Our Review Process

Systematic, data-driven, and completely transparent

✓ Any switch or redemption recommendation is made basis updated risk profile and goal suitability — never without your explicit written consent.

1
CAS Statement

You share your Consolidated Account Statement from CAMS or KFintech — a single document covering all your mutual funds.

2
Analysis

We analyse fund-level performance, portfolio overlap, asset allocation, and goal alignment using our proprietary framework.

3
Review Meeting

A 45-minute consultation — in-person or video call — where we walk you through findings and observations clearly.

4
Written Report

A structured written report with actionable observations is shared within 48 hours of the review meeting.

5
Action Plan

If any switch, redemption, or new investment is recommended, we implement it only after your explicit written consent.

✓ Ideal For

  • Investors with 5+ existing mutual fund holdings
  • Anyone who has not reviewed their portfolio in 12+ months
  • Professionals who inherited or accumulated funds without a plan
  • Clients approaching a major life event (retirement, child's education)
  • NRIs with India-based portfolios needing an objective review

✕ Not Suitable For

  • Those seeking stock-level tips or trading advice
  • Investors looking for guaranteed return projections
  • Anyone wanting immediate redemption recommendations without analysis
FAQs

Common Questions on Portfolio Review

We recommend a formal review every 6 months and a comprehensive annual review. Market events like significant index corrections or interest rate changes may warrant an interim check.
Only if our analysis reveals consistent underperformance relative to category peers, increased overlap, or a mismatch with your goal timeline. Any recommendation is explained in writing and acted upon only with your approval.
Portfolio review is a regular service we offer to help investors understand their mutual fund holdings relative to their goals. Please contact us to schedule a review session and understand current terms.
Retirement Planning

Retire on Your Terms.
Not on the Market's.

Retirement is your longest financial goal — and the most critical. We build a personalised retirement corpus plan that accounts for inflation, life expectancy, healthcare costs, and the lifestyle you deserve, backed by AMFI-registered advisory and goal-based mutual fund strategies.

  • Retirement corpus calculation adjusted for 6–7% inflation
  • SIP-based accumulation phase with phased equity-to-debt glide path
  • Systematic Withdrawal Plan (SWP) structured for regular post-retirement income
  • MF SIP sized with awareness of your total savings picture — EPF, PPF, and NPS are noted as context, not advised upon
  • Annual MF portfolio review to keep your retirement corpus on track
Plan My Retirement →

Retirement Realities

25–30 Yrs
Average post-retirement life expectancy your corpus must support
6–7%
Assumed inflation rate that doubles living costs every 10–12 years
Start Early
Every decade of delay roughly doubles the SIP needed to reach the same corpus
All projections are illustrative and based on assumed rates. Actual returns may vary. Mutual fund investments are subject to market risks. Please read scheme documents carefully.
How It Works

Building Your Retirement Plan

A structured, three-phase approach to a worry-free retirement

✓ All recommendations are restricted to mutual fund schemes only and are preceded by a formal risk profile assessment as required under AMFI guidelines.

1
Retirement Profiling

We assess your current age, target retirement age, expected lifestyle, existing assets, liabilities, and dependents.

2
Corpus Calculation

Inflation-adjusted corpus target is computed, factoring in healthcare, travel, and living expenses over your expected retirement horizon.

3
Accumulation Strategy

A goal-mapped SIP plan across equity, hybrid, and debt categories, following a glide path that de-risks as retirement approaches.

4
SWP Design

A Systematic Withdrawal Plan structured to provide regular monthly income post-retirement while preserving the remaining corpus.

5
Annual Review

Retirement plans are reviewed annually to incorporate income changes, goal updates, or market shifts.

✓ Ideal For

  • Professionals in their 30s–50s planning early retirement
  • Self-employed individuals without EPF or pension safety nets
  • NRIs returning to India who need India-based income post-return
  • Couples planning joint retirement with shared corpus
  • Anyone who wants to stop worrying about money after 60

✕ Not Suitable For

  • Those seeking fixed pension-like guaranteed income from mutual funds
  • Investors looking for capital protection with high return expectations
  • Anyone with a retirement horizon of less than 3 years
FAQs

Common Questions on Retirement Planning

This varies significantly based on your current monthly expenses, expected retirement age, and desired lifestyle. As a starting framework, a corpus of 25–30 times your annual retirement expenses is widely used. We compute a personalised figure in your retirement session.
We note your existing savings — EPF, PPF, and NPS — as context when sizing your mutual fund SIP. Our role is to structure the MF portion of your retirement strategy to bridge the gap between your existing savings and your estimated retirement corpus. For specific advice on EPF, NPS, or PPF, please consult your CA or a SEBI Registered Investment Adviser.
A glide path gradually reduces equity exposure and increases debt allocation as you approach retirement. This preserves accumulated gains and reduces the impact of a market downturn close to your retirement date.
STP Deployment

Deploy Lump Sums Smartly.
Reduce Market Entry Risk.

A Systematic Transfer Plan (STP) allows you to transfer a fixed amount from a liquid or debt fund into an equity fund at regular intervals. It is the ideal strategy for investors who have received a bonus, maturity proceeds, or any large sum, and want to enter equity markets without timing risk.

  • Park lump sum in liquid/low-duration fund immediately — start earning from Day 1
  • Automated weekly or monthly transfers to equity fund of your choice
  • Reduces the regret of investing everything at a market peak
  • SEBI-compliant process with documented consent at every stage
  • Ideal for salary arrears, bonuses, maturity proceeds, or inheritance
  • Flexible transfer period: 6 months to 24 months based on corpus size
Set Up My STP →

STP at a Glance

Step 1
Invest lump sum in a liquid or overnight fund — safe, liquid, and earning daily returns
Step 2
Fixed amount auto-transferred to your chosen equity fund weekly or monthly
Step 3
Full deployment completed in 6–24 months. Equity exposure built gradually and confidently.
Mutual fund investments are subject to market risks. Returns from liquid/debt funds are not guaranteed. Please read scheme documents carefully before investing.
How It Works

STP Deployment Process

A structured approach that protects your capital while building equity exposure

✓ Source and target fund selection is based on your risk profile and investment goal — documented before deployment begins.

1
Corpus Assessment

We review the amount, its source (bonus, maturity, sale proceeds), tax implications, and your investment timeline.

2
Source Fund Selection

Funds are placed in an appropriate liquid, overnight, or low-duration debt fund. The selection is based on your investment horizon and risk appetite.

3
Target Fund Selection

The equity fund to receive transfers is chosen based on your goals, risk profile, and existing portfolio composition.

4
STP Activation

The systematic transfer is activated through BSE Star MF. Transfers happen automatically without further action needed from you.

5
Completion Review

At the end of the STP tenure, we review the accumulated equity position and decide the next course of action.

✓ Ideal For

  • Employees who received a large annual bonus or incentive
  • Investors with maturity proceeds from FD, LIC, or NSC
  • Individuals who received property sale proceeds
  • Retirees receiving gratuity or provident fund payouts
  • Anyone who wants to enter equity markets without timing anxiety

✕ Not Suitable For

  • Those who need the lump sum back within 3–6 months
  • Investors seeking guaranteed capital protection in equity funds
  • Amounts below ₹50,000 where a simple SIP may be more effective
FAQs

Common Questions on STP

Liquid funds invest in high-quality, short-duration debt instruments. While not capital guaranteed, they have very low volatility and historically minimal drawdowns. SEBI mandates specific credit quality and duration requirements for liquid funds to protect investors.
Yes. Each STP transfer out of the source fund is treated as a redemption and is subject to capital gains tax. For liquid/debt funds, gains are taxed as per your income slab. We factor this into the planning and recommend consulting your CA for personalised tax advice.
Yes. STPs can be cancelled anytime. The remaining balance in the source fund stays invested until you choose to redeem or continue manually.
Goal & Investment Mapping

Map Your Goals.
Build the Right MF Strategy.

As an AMFI-registered Mutual Fund Distributor, we help you understand your investment goals and structure the right mutual fund strategy to pursue them. Every SIP we set up, every fund we recommend, is linked to a specific goal — education, home, retirement, or wealth creation — with a clear timeline and risk-appropriate fund category.

  • Risk profiling to understand your investment horizon and risk appetite
  • Goal-to-SIP mapping — education, home purchase, retirement, and wealth creation
  • SIP amount calculation for each goal based on target corpus and timeline
  • ELSS mutual fund allocation for Section 80C tax benefit — where applicable
  • Liquid fund guidance for contingency corpus — short-duration, low-volatility MF category
  • Goal-Based MF Investment Summary delivered and reviewed annually
Map My Investment Goals →

What This Service Covers

Goals
Every goal mapped with a timeline, target corpus, and monthly SIP amount needed
Risk Profile
Formal risk profiling done before any scheme is recommended — as mandated by AMFI/SEBI
ELSS
Equity Linked Savings Scheme — a mutual fund category eligible for Section 80C deduction
FinovestEdge is an AMFI-registered Mutual Fund Distributor (ARN-342847), not a SEBI Registered Investment Adviser. All recommendations are restricted to mutual fund schemes only. For tax, legal, or insurance advice, please consult your CA, legal advisor, or IRDAI-registered agent respectively. Mutual fund investments are subject to market risks.
How It Works

Our Goal Mapping Process

A structured process that maps your goals to the right mutual fund strategy — restricted to MF schemes as per AMFI guidelines

1
Risk Profiling

We conduct a formal risk profile assessment covering your investment horizon, risk appetite, income, goals, and existing MF holdings — as mandated by AMFI/SEBI before any recommendation.

2
Goal Identification

Your goals are identified and assigned timelines — education, home purchase, retirement, or wealth creation. Each goal is linked to an appropriate mutual fund category based on your time horizon.

3
SIP Gap Analysis

We calculate the monthly SIP needed for each goal. If existing investments partially cover a goal, the analysis identifies the additional investment required through mutual funds.

4
MF Strategy Design

A goal-mapped mutual fund investment plan is structured, with SIP amounts, fund categories (equity, hybrid, debt, ELSS), and timelines aligned to each of your stated goals.

5
MF Investment Summary

A Goal-Based MF Investment Summary — listing your goals, target SIP amounts, recommended fund categories, and timelines — is shared with you within 5 business days.

6
Annual Review

The plan is reviewed every 12 months to accommodate income changes, new goals, or shifts in the regulatory environment.

✓ Ideal For

  • Newly married couples wanting to start investing with clear goals
  • Professionals in their 30s who invest without a clear goal-to-SIP structure
  • Anyone whose money is scattered across random funds with no purpose
  • Investors who want every SIP linked to a specific life goal
  • NRIs building an India-based mutual fund portfolio for future goals

✕ Not Suitable For

  • Those seeking stock tips, direct equity, or trading recommendations
  • Anyone needing insurance, legal, or tax advisory — please consult the relevant registered professional
  • Investors wanting a SEBI-RIA level comprehensive multi-instrument advisory engagement
FAQs

Common Questions on Goal & Investment Mapping

No minimum investment amount is required to begin a goal mapping session. We work with investors across all income levels to understand their goals and structure suitable mutual fund SIPs accordingly.
No. FinovestEdge (Finovestedge Distribution Private Limited) is an AMFI-registered Mutual Fund Distributor — ARN-342847. Our recommendations are restricted to mutual fund schemes only, as permitted under AMFI/SEBI guidelines for MFDs. For comprehensive financial planning across all instruments, please consult a SEBI Registered Investment Adviser.
An initial goal mapping session typically takes 30–45 minutes. Your Goal-Based MF Investment Summary is shared within 5 business days, followed by a review session to walk you through it before any investment is made.
Get Started Today

Ready to Take the First Step
Towards Financial Clarity?

Whether you are starting your first SIP or reviewing a portfolio built over decades — we are here to help. Book a 30-minute consultation to get started.

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Finovestedge Distribution Private Limited — AMFI-registered Mutual Fund Distributor, ARN-342847. Not a SEBI Registered Investment Adviser. | Regulatory Disclosures & Full Disclaimer →