Fund Selection Policy
How we map schemes to your risk profile and goals — and what happens if you choose outside your profile.
1. Selection process
Step 1 — Risk profiling
A structured questionnaire covering age, income, investment horizon and financial goals.
Step 2 — Scheme mapping
Map your risk category to suitable fund categories using the SEBI Riskometer.
Step 3 — Evaluation
Assess 3-year / 5-year returns, fund manager, AUM, expense ratio and AMC track record.
Step 4 — Recommendation
Present suitable options. The final decision always rests with you, the investor.
2. Suitability matrix
| Risk profile | Suitable categories | Generally avoid | Horizon |
|---|---|---|---|
| Conservative | Liquid, Overnight, Short-Duration Debt, Conservative Hybrid | Small Cap, Sector / Thematic | < 3 years |
| Moderate | Balanced Hybrid, Large Cap, Multi Cap, Index Funds | Small Cap, High Credit-Risk Debt | 3 – 7 years |
| Aggressive | Flexi Cap, Mid Cap, Small Cap, ELSS, Thematic | Pure Debt for growth goals | > 7 years |
3. Conflict of interest declaration
Rakesh Kumar Sachdev declares that all fund recommendations are based solely on the investor's risk profile and financial goals. Commission rates from AMCs do not influence our recommendations. We have no proprietary or preferential relationship with any AMC.
4. Unsuitability declaration process
- 1
If you choose to invest outside your assessed risk profile, we inform you in writing.
- 2
You sign an Unsuitability Declaration acknowledging the mismatch.
- 3
The transaction is processed only after the signed declaration is received.
Last updated: July 2026
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