Fee-only investment adviser in New Delhi

Advice for Delhi NCR money

In Delhi NCR, much family wealth sits in property and gold, so we start with your whole balance sheet, not only your mutual funds. These are the questions we hear most often from clients across Delhi, Gurugram and Noida:

• Most of the wealth is a house or a plot. Property is hard to sell in parts, so the plan keeps enough in liquid investments for goals in the next five years.
• Gold held as jewellery or coins. We decide with you how much of it counts as an investment, and how any new gold should be held. Our post on gold ETF vs digital gold explains the options.
• Money shared across a family. Joint holdings, an HUF, nominations and a will all need to line up.
• A salaried job with ESOPs or employer NPS. The tax regime, when to exercise and what to do with vested shares. Our tax regime calculator is a good place to start.
• Business income that varies. A larger emergency fund, and business money kept apart from the personal plan.

How working with us goes

1. A free first call. Show us what you own, and we will tell you what we would look at first.
2. Risk profiling and your goals. Before any advice, as SEBI requires.
3. A plan around what you already hold. Reviewed by an advisor, with nothing moved without your approval.
4. Reviews through the year. The app keeps watch between conversations, and you can talk to an advisor before any big decision.

Comparing advisers in the city? Our guide to choosing a SEBI registered investment adviser in Delhi covers the kinds of adviser you will meet and the questions to ask any of them, including us.