Invest in Mutual Funds.
Build Wealth for Life.

Large cap funds invest in India's top 100 companies — stable but moderate returns. Mid cap funds (101st–250th company) offer higher growth potential with more volatility. Small cap funds (beyond 250th company) carry the highest risk and the highest long-term return potential. We recommend a mix based on your risk profile.

Hybrid funds invest in both equity and debt. Balanced Advantage Funds (BAFs) dynamically shift the equity-debt ratio based on market valuations. They suit moderate-risk investors who want equity growth with a cushion during market downturns.

NAV (Net Asset Value) is the per-unit value of a fund, calculated daily as (Total Assets − Liabilities) ÷ Total Units. For SIP investors, NAV at entry matters less because rupee-cost averaging evens out your cost. What matters more is the fund quality and your investment duration.

For equity funds: gains held over 1 year are Long-Term Capital Gains (LTCG), taxed at 12.5% above ₹1.25 lakh per year. Gains within 1 year are Short-Term Capital Gains (STCG), taxed at 20%. For debt funds: gains are added to your income and taxed at your applicable slab rate.

The expense ratio is the annual fee charged by the AMC to manage the fund. A fund with a 0.5% expense ratio charges ₹500/year on ₹1 lakh invested. Direct plans have lower expense ratios than regular plans. Over long periods, even a 0.5% difference compounds significantly.

An exit load is charged when you redeem fund units before a specified period. Most equity funds charge 1% if redeemed within 1 year. Liquid and overnight funds typically have no exit loads. ELSS funds cannot be redeemed before the mandatory 3-year lock-in.

An SWP lets you withdraw a fixed amount from your mutual fund at regular intervals — monthly or quarterly. It is popular among retirees as an alternative to FD interest income, often with better post-tax returns from equity or hybrid funds.

An STP transfers a fixed amount from one fund (usually a debt fund) to another (usually an equity fund) at regular intervals. It is ideal for investing a large lump sum — your capital earns debt fund returns while being gradually moved into equity, reducing market timing risk.

No. Past performance is not indicative of future results — this is a SEBI-mandated disclosure. We evaluate funds on multiple parameters: fund manager track record, rolling returns across market cycles, portfolio quality, expense ratio, and consistency — not just recent headline returns.

We recommend reviewing your portfolio at least once a year or whenever there is a significant life change (job change, home purchase, inheritance, retirement). Market volatility alone is not a reason to panic-sell or make reactive changes. We guide you through regular reviews and help you stay disciplined.

Absolutely. Life changes. You can increase or decrease your SIP amount, pause it temporarily, or switch funds based on your changing goals and circumstances. We help you make these changes without triggering unnecessary tax events and ensure your portfolio stays aligned with your objectives.

A multi-fund portfolio spreads your money across different fund types — large cap, mid cap, small cap, debt, hybrid, ELSS — and different AMCs. Diversification reduces dependency on any single fund's performance, protects you during sector-specific downturns, and balances growth with stability. We design portfolios suited to your risk profile, not the "hot fund of the moment".

We monitor all your funds regularly against their benchmark and category peers. If a fund underperforms due to structural issues or fund manager changes, we discuss switching to a better-performing alternative in the same category. We never chase short-term volatility — only long-term quality and fit with your goals.

Yes. Saving Pulse operates under Future Star Investment, which is AMFI-registered (ARN: 119315) and fully SEBI-compliant. Our advisors are trained in mutual fund regulations, tax laws, and financial planning. We follow strict documentation and disclosure norms mandated by AMFI and SEBI.

We charge NO upfront fees for fund selection, KYC, or portfolio setup. The fund houses pay us a small distribution commission — typically 0.25% to 1% annually — which is already built into the fund's scheme. You pay the same NAV whether you invest directly or through us. Our only interest is your long-term wealth growth.

Yes, absolutely. You can start new SIPs with us while keeping your existing mutual funds with other distributors. Many clients consolidate their portfolios with us over time for unified management and coordinated rebalancing. There is no requirement to exit existing investments.

KYC is done digitally (eKYC) using your PAN, Aadhaar, a live selfie, and a cancelled cheque or bank statement. The entire process takes 10–15 minutes online. No visits to branches, no paperwork. Once approved (usually same-day), you can start your SIP immediately. Your KYC is valid across all fund houses.

Your mutual fund investments are held in your name with the AMC, not with us. Even if our company were to shut down, your investments remain yours — held safely with SEBI-regulated fund houses. You can manage them directly or transfer to another distributor anytime. Your money is always secure.