What are direct plans and why are they better?

Direct plans are mutual fund schemes bought directly from the AMC without a distributor. They have lower expense ratios (no distributor commission built in). The NAV of direct plans is higher, and returns are typically 0.5-1.5% more per year compared to regular plans of the same scheme.

How many mutual funds should I own?

For most investors, 5-8 well-chosen funds provide adequate diversification. More than 10-12 funds typically creates overlap without adding diversification benefit. Your RIA builds a focused portfolio mapped to your specific goals rather than adding funds randomly.

Should I invest lump sum or through SIP?

For regular income, SIP is the default. For lump sums (bonus, inheritance, matured FD), the answer depends on market valuations and your risk appetite. Your RIA may recommend a Systematic Transfer Plan (STP) to deploy lump sums gradually if equity valuations are stretched.

Can the RIA switch my existing regular plans to direct?

Yes, your RIA can guide you through switching from regular to direct plans. Note that the switch is treated as a redemption and fresh purchase for tax purposes, so your RIA will evaluate the tax impact before recommending switches, especially for funds with significant unrealised gains.

Mutual Fund Advisory by SEBI-Registered RIAs | Finamize

Get unbiased mutual fund recommendations from SEBI-registered advisers. Direct plans only, zero commissions, and no conflict of interest.

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Why Finamize

Why Choose Finamize

Direct Plans Only

RIAs recommend direct plans with lower expense ratios (0.3-1% less than regular plans). Over 20 years, this difference alone can add 15-20% to your corpus.

Goal-Linked Fund Selection

Each fund in your portfolio is mapped to a specific goal with an appropriate time horizon. Short-term goals get debt funds; long-term goals get equity allocation.

Annual Fund Review

Your RIA reviews fund performance annually and recommends switches only when genuinely needed — not for generating churn or commissions.

Portfolio Overlap Analysis

Avoid the common mistake of owning 15 funds that all hold the same stocks. Your RIA checks for overlap and ensures genuine diversification.

How It Works

Get Started in 3 Steps

Define Goals & Risk Profile

Share your financial goals, investment horizon, and complete a risk assessment. Your RIA maps each goal to an investment strategy.

Fund Recommendations

Receive specific direct plan fund recommendations with SIP amounts mapped to each goal. Your RIA explains the rationale for each selection.

Invest & Review

Start SIPs through your preferred platform (Kuvera, MFU, AMC websites). Your RIA monitors performance and suggests changes during annual reviews.

Regulatory Framework

FAQ

Frequently Asked Questions

Get Unbiased Fund Advice

Connect with a SEBI-registered RIA for commission-free mutual fund recommendations. Direct plans, no conflicts.