Questions, answered.

Families, women, young professionals, MNC employees, doctors, business owners and entrepreneurs, affluent investors and NRIs. Our office is in Margao, Goa, and we work with clients across India and abroad.

No. Goal-based investing is about having a strategy, not a minimum balance. Many mutual funds allow small monthly SIPs, and we start from where you are today.

We listen. We ask about your goals, your family, your income and what you already hold, and explain how we work. Nothing is suggested until we understand your goals and your risk profile.

No. You're welcome at our Margao office, and we work just as well over a video call, a phone call or WhatsApp, at times that suit you.

Yes. Many people come to us with investments made at different times through different people. We can review everything you hold and show whether it still fits your goals.

We start with what you're investing for, when you'll need the money, and how much risk you can live with. Products are chosen only to fit that plan, never the other way round.

Recommendations come only after we've understood your goals and completed your risk profile, and they are explained so you know why each one is there.

Regularly, at a rhythm we agree with you, and whenever something important changes in your life, such as a new job, a child, a move abroad or retirement.

No. Investments carry risk and past performance does not guarantee future results. We focus on a disciplined approach you can stay with through good and bad markets.

Yes. We check whether your life, health and other cover is right for your income and responsibilities, because protection comes before investing.

We plan investments with tax in mind and work alongside your chartered accountant, who handles your return and confirms tax matters. We don't file tax returns.

Mutual fund units are held in your own name with the fund house and its registrar, and you receive statements from them directly. You can also see your holdings in our client portal.

Most open-ended mutual funds can be redeemed on any business day. Some have an exit load if you redeem early, and tax-saving ELSS funds have a three-year lock-in. We'll always tell you about these before you invest.

They differ in how money is pooled, how concentrated the portfolio can be, the minimum investment and the risks involved. Our comparison page sets them side by side.

Yes. Investments for a minor are made in the child's name through a parent or guardian, often for a goal like higher education.

Yes. We work with NRIs in the UK, the US, the UAE, Singapore and elsewhere. Rules depend on your country of residence, and some fund houses accept investments from NRIs in the US and Canada only under certain conditions, which we check for you.

Usually not for most of the process. Onboarding, investing and reviews can largely be handled remotely, and we'll tell you if any step needs you in person.

Generally your NRE or NRO account, depending on the source of money and whether you want it to be repatriable. We'll help you choose.

Typically your PAN, proof of address, bank details and a photograph, so your KYC can be completed. KYC is done once and recognised across fund houses.

Through our secure onboarding forms. Please don't send PAN, Aadhaar, passport or bank details over WhatsApp or email.

We collect only what's needed, never sell your data, and share it only to process what you ask for or where the law requires. Our privacy policy explains it in full.

Yes. Financial Wisdom is an AMFI-registered Mutual Fund Distributor (ARN 174062) and an APMI-registered PMS Distributor (APRN-04975). Both can be checked on the AMFI and APMI websites.

No. We are a registered distributor, and any guidance we give is provided in that role. Our disclosures page explains this.

Write to us or call us first. If it isn't resolved, you can escalate to the fund house, to SEBI through SCORES or online dispute resolution, or to AMFI. Our grievance page sets out each step.