SEBI-registered investing — direct plans only.
Goal-led portfolios. Long-only, long-horizon. Run by Rohit — MBA Finance, CFA charterholder. Transparent fees, no commission slop, no churn.
The book, at a glance.
Goal-led, not market-led.
We don't pick funds first and find a goal to fit them. We ask what the money is for, how long it has, and how much it must weather — then build a portfolio that survives the worst quarter you've ever sat through.
Direct plans only
Every fund we recommend is a direct plan. Lower expense ratio, no embedded distributor commission. Period.
Long-only, long-horizon
No exotic structures. No tactical timing. Boring, repeatable, compounding.
Annual review, not monthly noise
We rebalance once a year unless something material breaks. Markets reward patience, not activity.
SEBI registered, fiduciary first
INA registration means we owe you a duty of care — not a duty to sell.
What we plan against.
25–30 year horizons. Equity-heavy, glide to debt by year 20.
10–18 year horizons. Index-led, rebalanced annually as the date nears.
5–7 year horizons. Hybrid debt-equity, capital protected toward the end.
Liquid funds — six months of family expenses, instantly accessible.
ELSS only when goal-aligned. Otherwise PPF and the salary structure first.
For families above ₹2 Cr, a one-off review to find drag and consolidate plans.
Rohit Agarwal
Mutual funds & investment planning
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Rohit runs the investments practice.
CFA charter and an MBA in finance — but more useful, he reviews every family's portfolio personally. No junior advisors, no relationship-manager handoffs.
WhatsApp Rohit