compounding. on your side.
Pick the right schemes from 40+ AMCs — judged on what fits your goal, not what pays the highest commission. SIPs that step up with your raises. ELSS that respects your lock-in. SWPs that fund your retired mornings.
eight ways your money keeps you.
Mutual funds is a category, not a product. Here's how we slice it for a real Mumbai household.
Large-cap, flexi-cap, mid-cap. The default home for money you won't need for 7+ years. Picked by track record across 3 market cycles, not last year's star fund.
Liquid, ultra-short, banking-PSU, gilt. For the emergency fund, the down-payment, the next big bill. Better than savings, safer than equity.
Aggressive hybrid, balanced advantage. One fund that rebalances itself between equity and debt. For when you don't want to think about it.
Equity-linked savings under Section 80C. 3-year lock, but the only 80C option that historically beats inflation. Picked carefully — the lock-in cuts both ways.
Start where you are. Step up 10% every year as your salary grows. The boring math that becomes serious money in 15 years.
Diwali bonus, ESOP vest, inheritance. STP (staggered transfer) into equity over 6–12 months — better than dumping it all in on a Monday morning.
Systematic Withdrawal Plan — for parents, for early retirement, for a year off. Pull a fixed amount monthly while the rest stays invested.
Wedding in 3 years. House in 7. Retirement in 25. Each goal gets its own SIP, its own asset mix, its own glide path. So you can see them all separately.
15 minutes. no slides.
We talk about current SIPs (if any), your goals, your worries, your monthly cash flow. I take notes. No pitch.
Funds to start. Funds to switch out of. Allocation by goal. Step-up schedule. Risk-on/risk-off triggers. Plain English.
No 9pm calls about "rebalancing." If markets do something dramatic, I'll explain it in 60 seconds. Otherwise, we let it compound.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. Distribution is via the Regular Plan, under AMFI and SEBI rules — you are never charged a fee by us. See the disclosures.
Archita Ritesh Gattani — AMFI Registered Mutual Fund Distributor, ARN-320768. Verify at amfiindia.com.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
What's the minimum amount to start a SIP?
₹500/month with most AMCs. Some go down to ₹100/month. The minimum doesn't really matter though — the discipline does. We'd rather you start a ₹500 SIP today than wait six months to start a ₹5,000 one.
Regular plan vs direct plan — which does Archita offer?
Regular plan. We're an AMFI Registered MFD (ARN-320768) — the regulated distribution model where you never pay us a fee. Direct plans cut out the distributor: lower expense ratio, but you do the selection, paperwork and tracking yourself. We're upfront about the trade-off — the honest fine print is at /disclosures.
ELSS vs PPF for tax saving — which one?
Both save tax under 80C. PPF locks for 15 years, ELSS locks for 3 — and ELSS has historically delivered 2-3× the returns. ELSS for the equity sleeve of your 80C; PPF as the debt sleeve. We almost always recommend both, not one or the other.
Are mutual funds safe?
Equity mutual funds are subject to market risk — values fluctuate, can fall sharply in short windows. Debt funds are lower-risk but not zero-risk. They're regulated by SEBI, the AMCs are audited, and your folio sits with the AMC's RTA (not us). The risk is market risk, not custody risk.
How many SIPs should I run in parallel?
Usually 4-6 across categories — large-cap, mid-cap, ELSS, debt/liquid. More than 8 is over-engineering for most retail investors; the diversification benefit flattens. We'll consolidate if you've accumulated 12-15 SIPs from past advisors.
SIP, STP, SWP — what's the difference?
SIP: you put money in monthly (accumulation). STP: you move money between funds in a fixed schedule (rebalancing). SWP: you take money out monthly (retirement income). Three engines, three life stages. Try the SIP calculator, SWP calculator.
let’s pick your funds. together.
A 15-minute call. We’ll look at what you have, what you need, and what to do this month. No pressure to invest the same day.
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Usually within 12 minutes during Mumbai work hours.
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