How we work
Three steps. The third one never ends.
Most of our clients have been with us for over a decade. That is not loyalty to a fund. It is the six-monthly review they no longer want to do alone.
- 01
Week 1 to 2
Assessment
You send statements: mutual funds, EPF, PPF, NPS, policies, loans. We put all of it on one page and ask about the dates that matter: retirement, college, a home, a business exit.
You receive
- A one-page net worth map
- Every goal with a date and a rupee figure
- A list of what overlaps, what is idle, and what is missing
- 02
Week 3 to 4
Execution
We propose changes in writing, with the reason for each. Nothing moves until you approve it. Transactions go through NJ's platform, and you see each one in your own login the same day.
You receive
- A written plan you can show your family
- SIP and switch instructions, ready to sign
- Insurance cover sized from your numbers
- 03
Every six months, for as long as you stay
Tracking
A full review twice a year. A call within a day when markets fall sharply, tax rules change, or your life does. As each goal date approaches, we move that money to safer ground year by year.
You receive
- A one-page progress report per goal
- Rebalancing when allocations drift
- Claim support from Sanjiv's team
How we are paid
No separate fee. Here is where our income comes from.
We are an AMFI-registered mutual fund distributor. Fund houses pay us a trail commission on regular plans, which is included in the scheme's expense ratio. Insurers pay a commission on policies.
Ask us for the exact figure on any fund or policy you hold through us. We will put it in writing.
What we will not do
- Recommend a product before we know what the money is for.
- Move your money without your written approval.
- Sell insurance as an investment.
- Hand you over to a junior after the first meeting.
First meeting
What to bring.
- Latest CAS from CAMS or KFintech
- EPF and PPF passbooks
- NPS statement, if you have one
- Every life and health policy document
- Loan statements with outstanding amounts
- A rough monthly household budget