• Systematic Investment Plan
    SIP is a smart & hassle-free mechanism for investing in mutual funds.
    Learn More
  • Systematic Transfer Plan
    Transferring a fixed amount from one fund scheme in to another scheme is known as STP.
    Learn More
  • Equity Linked Saving Scheme
    ELSS stands out as a smart and efficient way of saving tax and creating wealth.
    Learn More

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Why Choose a Financial Advisor?

We at mutualfundwala ponder over this fundamental question every now and then. Why should an individual or a family trust their hard earned savings in the hands of an entity or an individual? This is all the more relevant today as Investors can invest directly and save a part of their expense.

In our close interaction with various individuals, from our family of over 5000 investors, this is what we figured out :

  • Investors are looking for ‘ An honest advice’.
  • While investing, investors need to be ‘educated on investments’.
  • Investors expect financial advisor to know the importance of savings and investment in middle class families.
  • Investors have little or no idea about financial objectives/goals, retirement planning, long term compounding, inflation, risk or adjusted return. They expect the financial advisor to educate them and factor all this (and more) in the investment plan.

How is Mutualfundwala Different?

We take pride in calling ourselves “advisors to middle class Indians”. We are extremely conservative in our approach to investments. We know perfectly well that our 90% of retail investors lose money in stock markets. In last 13 years not a single investor has lost money investing through us.

We take an extremely calibrated approach to investing. We will look at several subjective & objective parameters before recommending a scheme or a product

Following are five factors that are looked at before recommending debt or equity scheme:

  • Age of the investor and risk appetite - Higher the Age, lower the risk and vice versa .
  • Number of members in the family and number of dependents - Generally higher the family income, higher the risk appetite. However, this is to be combined with certain other variables and looked at on a case to case basis.
  • Market conditions and interest rates - PE , P/BV,  and dividend yields  are the variables help us decide in 'favour of' or 'against equity'.
  • Political Global Factors - Political stability, geopolitics, international oil prices and domestic and international interest rates are given adequate weightage.

What We Do & What We Don’t Do :

What We Do Correct What We Don’t Do Cross
Recommend products that factor in the current market conditions and future outlook. Recommend aggressive high-risk products only to satisfy investors need for ‘investing’.
Design conservative investment plans with very little weightage to past returns. Pitch aggressive, high risk schemes based on past returns
Regularly monitor the portfolio and recommend changes. Look up at the portfolio only when the investor is worried and calls.
Maintain logs of relevant conversation with the investor (with date, time etc.) Have no recollection of what the client wanted.
Only deal in mutual funds no ULIPs and no alternative product like PMS, structured products etc. Sell structured products with high commissions.
Only sell open ended funds (unless investor specially wants ELSS) that gives flexibility to exit. Sell closed ended funds with lock in.
Give honest opinion about market, liquidity, macros and micros Conceal relevant facts to collect the investment cheque.

How Will Mutualfundwala Assist You

Investing :

New to the world of mutual funds? This is what we can do for you….

Risk Profiling : Mutualfundwala, will access your risk appetite. This is the first step in suggesting a scheme or designing a financial plan. At time a retail investor has no realisation of his/her risk appetite. Let us illustrate: A working professional nearing 60, with no retirement planning feels that he has a high risk appetite. This thought process is a recipe for disaster. Another individual in the same age bracket with substantial alternate income (eg. Rental income etc) feels he is nearing retirement and has “zero” risk appetite. This too is factually incorrect. A hawkish look at an individual or family’s risk appetite is the starting point in looking at investment products.

State of Equity markets and the Economy: These are 2 extremely relevant factors for any investments for 3-5 years. Mutualfundwala will factor this in before recommending a product. Look at 2018. We have a situation wherein the economy isn’t doing too well. Oil is up. Interest rates are on the way up. Rupee is depreciating against the dollar. Macros don’t look good. And we have general elections in 8 months. In august 2018, stock markets seem overpriced. At this time, we recommend caution and patience for things to settle down and not get swayed by euphoria. Investors can start a sip or a 3 year STP and wait for the picture to get clear or things to settle down. Hence, Mutualfundwala will factor in the 2 related pieces (economy and stock prices) before recommending a Mutual Fund be it debt or Equity.

Tenure of investments and the objective of investment : These 2 variables determine if an individual needs to invest in debt or equity. Investors may invest in high risk equity with risk mitigation tools like SIP or STP. Let us explain; An individual who has saved money for his daughters marriage next year, need not use the equity route. Investment can conveniently go in debt instruments and generate 2-3% higher return than FD. Another investor who is 35 and needs to plan a retirement corpus can easily invest in equity and take the SIP route.

proactive monitoring of your investments: Once you have invested with Mutualfundwala, your RM will regularly monitor your investments and give you feedback at least once in 6 months. We will recommend changes and reasons for the same. This helps in beating the benchmark and generating a higher ROI.

Existing Investments:

You may have already made some MF investments and may not be sure if the schemes are the ones for you. This is what Mutualfundwala can do for you :

  • We will check your paperwork, this includes PAN Card, or any correction thereof KYC (Know Your Client) compliance, FATCA etc.
  • A good look at your portfolio and your financial objectives and we can let you know if they are consistent with each other. We will structure your investments with your long or short term financial objectives.
  • We can do a portfolio health check and identify non-performing funds in your existing portfolio. We shall recommend weeding out of non-performing funds and replacing them with better ones.
  • You may let us know of a special requirement viz regular cash inflows etc. We will implement the same. For eg, you may build a regular stream of cash inflows by investment in various dividend schemes and also through SWP (Systematic Withdrawal Plans).
13

Years of Experience

0

Investor

team strength

386

AUM

crore

Process Flowchart

  • Prospective Investor

    Initial meeting:
    • Fatca, KYC compliance.
    • Age of investor, number of earning members, number of dependents and age of dependends etc.
    • Discuss financial objectives ( not provided for retirement planning ).
  • Execution of Investment

    Recommends products after factoring in the following:
    • State of markets(PE, P/BV, Dividends yields etc.)
    • Tenure of investment.
    • Risk Appetite
    • Complete paperwork
  • 1 st Connect With Investor

    1st Phone Call Post Investment
    • Mail the login id and passwords.
    • Help to install the mobile app.
    • Encourage social media.
    • Educate on regular monitoring of investment.
  • Meeting Objectives

    The End Result
    • Monitoring to ensure and add or delete  financial objective as per  investor need.
  • Course Correction

    Recommending Changes
    • Recommending changes of scheme(s) due non performance or major changes in fundamental or political condition.
  • Monitoring of Investment

    Portfolio Analysis
    • Analyse the portfolio every 2 months and interact with client at least once every 6 month. Add this while maintaining logs of conversation (including  time  and date of conversation .)

Our Journey So Far

APRIL 2005

Started operations in April
2005 had 7 investors in
the first month

JAN 2008

Jan 2008, the peak of bull
run, had 285 investors and
assets of 7 cr.

MAY 2014

MAY 2014: Assets of
70 Cr, 1200 investors when
UPA II came in.

MARCH 2016

March 2016: AUM of
135 Cr and 3000
active investors

JULY 2017

July 2017: AUM over
300 Cr and over 4400 investors.
Employee strength of 14

AUGUST 2018

AUM of over 386 cr.
Over 5300 investors.

Professional Approach

to Manage Money

Regular Monitoring of Investment

Regular Monitoring of Investment

Goal Based Investing

Goal Based Investing

Update on New Product

Update on New Product

RM on Call

RM on Call

Buy and Sell Online

Buy and Sell Online

Deal Only in Mutual Funds

Deal Only in Mutual Funds

Latest News

Our Latest Articles, Tips & News

What is Mutual Fund ?

Mutualfunds are very popular in the western world but in India lot of people wonder what are Mutual Funds?? Are Mutual Funds sort of investments?? Are Mutual Funds risky??

Types of Mutual Fund

An open-ended fund is a fund that is available for subscription and can be redeemed on a continuous basis. It is available for subscription throughout the year and investors can buy and sell

Comparison between SIP, PF and NSC

Retail investors are often confused between various names and various financial products. NSC, PF, PPF, FD etc all seem similar to them.

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