Disclosures

“Fortune sides with him who dares.”
― Virgil

If you are investing you are taking risks. May fortune side with you. 

Some of us like to bungee jump whilst others like to do the marathon. Whichever form of adventure you like, you would make sure you check up on the service provider and their products and your own ability and risk. For e.g. would you jump if the rope was frayed or you had a heart condition? Or start running with your shoe laces untied.?

Mutual funds are service providers. Each mutual fund company offers a basket of schemes which are similar to their competition. A scheme could be high risk (like bungee jumping) or could be  low risk ( a walk in the woods).

"There is only one good, knowledge, and one evil, ignorance." 

— Socrates

Please take the trouble to understand the pro's and cons of each scheme before putting your pen to cheque. Ask as many questions as you want. And keep asking till you have understood. All schemes have an offer document - lots of fine print... but it is another excellent source of information.

Anyone who provides a service needs to be compensated. In life there are really no free lunches. So yes, we do earn from the fund houses where we invest your money.  Each service provider has a different rate chart and these change often - there is no standardised time frame. So only a range can be provided here. Please ask us for actuals. 

Debt Funds range from 0.05 to 0.80% 

Balanced & Equity Funds can vary from 0.50 - 1.50%.

We earn this commissions primarily on a trail basis - which means the day you take your money out, we stop earning.

For those of you who do not feel the need for 'paid' advice, there are other options. All fund houses, under SEBI's direction have introduced the option of going directly to them.