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Should I Trust Investment Firms Like Nuvama Wealth?

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 13, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Zameer Question by Zameer on Sep 13, 2024Hindi
Money

Hi, I would like to start my investment journey more effectively but I don't have idea about mutual funds, stock market, compounding etc. Is that safe to get services of any investment firm who can advise me about where to invest. I am thinking about firms like Nuvama Wealth. Could you please advice about authenticity of investment firms. Thanks...

Ans: Starting your investment journey can be an exciting and rewarding decision, but it’s understandable to feel uncertain if you’re not familiar with mutual funds, the stock market, or the concept of compounding. It’s natural to seek the advice of professionals to guide you through these unfamiliar territories. Investment firms and certified financial planners (CFPs) can provide that guidance and help you invest wisely.

However, before you proceed, it's essential to ensure the investment firm you choose is authentic, trustworthy, and well-aligned with your financial goals. Let’s discuss how you can evaluate the authenticity of investment firms and decide if their services are the right choice for you.

Is It Safe to Use an Investment Firm's Services?
Yes, it’s generally safe to use an investment firm’s services, provided you choose a reputable one. An investment firm or certified financial planner can help you:

Understand key concepts like mutual funds, stocks, and compounding.

Build a tailored portfolio based on your risk appetite, time horizon, and financial goals.

Diversify your investments to minimize risks while maximizing returns.

However, not all firms are equal. You need to verify their authenticity, professionalism, and alignment with your financial objectives. Here are some steps to ensure you select the right investment firm:

1. Check for SEBI Registration or AMFI certification
The Securities and Exchange Board of India (SEBI) is the regulatory body responsible for overseeing the financial markets and ensuring that investment firms adhere to strict ethical and operational standards. Every legitimate investment firm or certified financial planner in India must be registered with SEBI.

Why this matters: Registered firms are held accountable by SEBI. They must follow legal guidelines and are regularly audited, reducing the risk of fraud or unethical behavior.

How to check: Visit SEBI’s official website and search for the firm or individual under the "Registered Intermediaries" section. If the firm or advisor isn’t listed, it’s a red flag.

AMFI runs the AMFI Registered Mutual Fund Distributor (ARMFD) certification, which is mandatory for anyone looking to become a distributor or advisor for mutual funds. This certification ensures that professionals possess the required knowledge and skills to offer sound advice to investors.

2. Look for Professional Certifications
When considering any investment firm or advisor, it’s crucial to check whether they hold reputable certifications, like:

Certified Financial Planner (CFP): This certification is internationally recognized and indicates that the advisor has undergone extensive training in financial planning and ethical practices.

Chartered Financial Analyst (CFA): CFAs are experts in investment analysis and portfolio management. This is a highly respected qualification in the financial world.

Why this matters: Professionals with these certifications are trained to provide sound advice and adhere to ethical standards. This ensures they act in your best interest.

3. Research Their Track Record and Reviews
Before selecting an investment firm, do some research on their background, success stories, and client feedback. Thanks to digital platforms, you can easily find reviews of most investment firms and advisors online. Platforms like Google Reviews provide honest, unfiltered feedback from actual clients.

Google Reviews: Always check Google Reviews to see what past and current clients have to say about the firm's services. A consistent pattern of positive feedback is a good indicator of trustworthiness. Negative reviews can reveal issues such as poor customer service or unmet expectations.

Track record: How long has the firm been in business? What kind of returns have they generated for their clients in the past? These factors matter when assessing reliability. Keep in mind that past performance is not a guarantee of future results, but it can still provide valuable insights into their approach.

Why this matters: A strong track record and positive reviews give you confidence that the firm has the experience and capability to manage your investments effectively.

4. Evaluate Their Investment Philosophy
Different firms follow different investment philosophies. Some firms might take a conservative, low-risk approach, while others might focus on aggressive growth strategies. You need to ensure that the firm’s investment philosophy aligns with your goals, risk tolerance, and time horizon.

Ask questions: What is the firm’s approach to managing risk? How do they plan to grow your portfolio? Do they consider market trends, or do they stick to a particular set of principles regardless of market conditions?

Why this matters: An investment firm should not have a one-size-fits-all approach. Their philosophy should be customized to your needs, considering factors like your investment goals (retirement, child’s education, etc.) and risk tolerance.

5. Avoid Firms with High Fees or Hidden Charges
Investment firms may charge fees for their services, typically as a percentage of the assets they manage for you or as a fixed advisory fee. While fees are normal, you should avoid firms with exorbitant fees or hidden charges that could erode your returns over time.

What to look for: Ensure that the firm provides a clear fee structure upfront. Ask about any additional charges like transaction fees, fund management fees, or performance-based fees.

Why this matters: High fees can drastically reduce your overall returns. For example, if you’re paying 2% annually in management fees, this could significantly impact your returns over a long period.

6. Verify Transparency and Communication
Transparency is key when choosing an investment firm. A good firm will maintain open communication with you, providing regular updates on your portfolio’s performance and any changes in the market that may affect your investments.

What to look for: Make sure the firm offers regular reports on the performance of your investments. They should also explain why they are making certain investment decisions and how those decisions align with your goals.

Why this matters: Without transparency, you’re left in the dark about the state of your finances. Regular updates help you stay informed and adjust your financial strategy if necessary.

7. Get Personalized Advice, Not Generic Solutions
A good investment firm will take the time to understand your personal financial situation, goals, and preferences. Avoid firms that offer generic solutions without understanding your unique circumstances. Personalized advice is critical to building a successful long-term investment portfolio.

What to ask: Do they ask about your specific financial goals, such as retirement, buying a home, or funding your child’s education? Are they taking into account your current income, expenses, liabilities, and future financial needs?

Why this matters: Generic advice might not suit your unique needs. For example, a strategy for a 25-year-old with no dependents is very different from a 45-year-old with two children planning for college fees and retirement.

8. Disadvantages of Relying on Direct Funds
While direct mutual funds seem attractive because they come without distributor commissions, they aren’t always the best option if you are new to investing. Many new investors can feel overwhelmed when managing their portfolios without guidance. Certified Financial Planners can help you navigate complex decisions and maximize returns.

Direct funds: Managing your investments directly can be risky if you don’t have sufficient knowledge. Regular plans, through a certified planner, can help you stay on track, especially during market volatility.

Why this matters: A certified financial planner can guide you through market cycles and keep your financial goals in focus, ensuring a more disciplined approach.

9. Look for Long-Term Relationships
A good investment firm will focus on building a long-term relationship with you rather than just making quick commissions. Look for a firm that offers consistent support and guidance over the years as your financial needs evolve.

Why this matters: Your financial situation will change as you age, have children, or approach retirement. A long-term partnership with a good firm ensures they understand your evolving goals and can adjust your strategy accordingly.
10. Always Ask for References
Don’t hesitate to ask the firm or advisor for client references. Speaking to someone who has worked with the firm can provide valuable insights into their services, professionalism, and whether they are the right fit for you.

Why this matters: Hearing directly from someone with experience with the firm gives you a clear idea of what to expect. It also helps you feel more confident in your decision.
Finally: Take Your Time and Do Thorough Research
Entering the world of investing is an important step, and it’s great that you are considering professional help. Just remember, it’s essential to do thorough research before deciding on an investment firm. The firm you choose should align with your goals, offer transparent communication, and provide sound advice based on experience and qualifications.

Taking the time now to ensure you’re working with the right professionals can set you up for long-term financial success.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 04, 2024

Money
Hello sir . I am 43. I want to invest in mutual funds.but which is the best and safest platform for investment sir.
Ans: Investing in mutual funds is a wise decision that can offer great growth potential. However, the choice of platform for investing is crucial. While online platforms have become popular, investing through a certified Mutual Fund Distributor (MFD) stands out for several reasons. I will discuss why choosing an MFD is often a better option, especially for Indian investors like you, and address some important aspects of mutual fund investments.

Let's walk through some critical points.

The Human Touch of MFDs vs. Online Platforms

Online platforms might look convenient at first glance. But they cannot replace the personalized, human touch of a professional MFD.

Certified Financial Planners and MFDs can give you tailored advice. They understand your unique financial goals and family needs.

Emotional guidance is another vital aspect that no online platform can provide.

Investing is not just about numbers. There are emotional ups and downs, especially in volatile markets. MFDs can help you remain calm during these times. This keeps you from making hasty or emotional decisions.

Online platforms are good for those who have deep knowledge of the markets. But for regular investors, a trusted human MFD is a better guide.

Actively Managed Funds Over Index Funds

Actively managed mutual funds are a great option for those looking for higher returns. Fund managers actively track the market and make decisions to beat the benchmark index. This personalized touch often brings in better returns, especially in markets like India.

Index funds, while simple and cheap, don't perform as well in volatile or emerging markets. They just mirror the market index, and there's no active management involved. This might work in developed markets, but in India, active funds often do better.

Also, index funds don’t give you protection during market crashes. When the market falls, the entire index fund value also falls. In contrast, actively managed funds can take defensive positions and protect your investment.

So, avoid getting attracted to the low-cost structure of index funds. It's better to focus on performance and risk management.

Regular Funds vs. Direct Funds

Another key decision is whether to invest in direct mutual funds or regular funds through an MFD.

Direct funds might seem cheaper because they don’t have distributor commissions. However, the hidden risk is that you’re on your own. You don’t get professional advice, which can cost you in the long term.

Regular funds come with professional guidance from an MFD, who helps you track your investments and advises when to buy or sell.

Most investors don’t have the time or expertise to track and rebalance their portfolios regularly. This is where an MFD steps in and makes life easier.

The small cost you pay for this service is well worth it in the long run, as you’ll likely earn better returns with sound advice.

The Importance of Diversification

Any good MFD will recommend diversification in your mutual fund investments. This means spreading your money across various sectors, asset classes, and fund types.

By diversifying, you reduce the risk of heavy losses. If one sector or asset class performs poorly, others can compensate.

For example, you can invest in equity, debt, and hybrid funds. Equity funds offer higher growth potential, while debt funds offer stability and safety. A mix of both gives a balanced approach.

An MFD helps you choose the right funds that align with your risk tolerance and goals. They will ensure you don’t put all your eggs in one basket, which online platforms rarely focus on.

Emotional Discipline in Volatile Markets

Investing through an MFD helps you maintain emotional discipline during volatile market conditions.

Online platforms can be tempting, as they allow you to react quickly to market changes. But this can lead to impulsive decisions like selling in panic during a market crash.

An MFD will help you stay calm, reminding you of the long-term strategy. This ensures you don’t make decisions based on short-term market noise.

Mutual fund investments should be treated like a marathon, not a sprint. Long-term patience often results in better returns.

Taxation of Mutual Funds: New Rules Explained

It’s also important to understand how mutual funds are taxed.

For equity mutual funds, Long-Term Capital Gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt mutual funds follow your income tax slab rates for both long-term and short-term gains.

It’s crucial to plan your investments keeping these tax rules in mind. A good MFD will help you optimize your investment plan to minimize tax liabilities. They can guide you on when and how to redeem your funds to reduce tax burdens.

The Role of Certified Financial Planners in Mutual Fund Investments

Certified Financial Planners (CFPs) add value by understanding your entire financial situation. They take a holistic approach, considering your goals, family needs, and risk appetite.

They are well-trained professionals who can guide you through life stages—whether you’re planning for retirement, your child's education, or saving for a big purchase.

A CFP will also consider your non-mutual fund investments, like PF, PPF, or insurance policies, to give you a comprehensive investment strategy.

They focus not only on wealth creation but also on wealth protection. If you have insurance policies that aren't performing well, a CFP can suggest alternatives like mutual funds to boost your returns.

Investment Strategy for Specific Goals

Investing in mutual funds should always align with your financial goals.

For example, if you’re saving for your child’s education, you may need a combination of equity and debt funds to match your time horizon. Equity funds will help you grow your investment, while debt funds will provide stability as you approach the goal.

If you're saving for retirement, an MFD can create a plan that balances risk and reward based on how many years you have left before retirement.

The key is to invest with a goal in mind. Random investments often lead to lower returns or missed opportunities.

Final Insights

Choosing the right platform and method for investing in mutual funds is a crucial decision. While online platforms offer convenience, they lack the personalized touch and emotional guidance that comes from an experienced MFD.

Investing is not just about numbers; it’s about staying disciplined, especially during market volatility. An MFD provides that extra layer of comfort and assurance, ensuring that your investments stay aligned with your goals.

By focusing on actively managed funds, regular plans, and maintaining emotional discipline, you can maximize your returns and reduce risks. Diversification, goal-based investing, and tax planning are essential parts of a successful investment strategy.

In conclusion, always remember that investing is a long-term journey. Choose a certified MFD to guide you through this journey with wisdom and care.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 12, 2025

Money
Good Afternoon Ramalingam Sir, Sir I am investing in Mutual fund through finacial services group Prudent Corporate advisory services limited ... just want to know is it safe to invest through this group .. as i dont have much idea about the group . Recently a mutual fund investment platform is set to discontinue its services in June 25
Ans: It is always smart to ask such questions before continuing long-term investments.

You are investing through a financial intermediary. In your case, it is Prudent Corporate Advisory Services Ltd.

Rather than focusing on the company name, it is better to evaluate the platform using clear parameters.

Let us now go through the key points you must check before continuing with any mutual fund intermediary.

1. Regulatory Registrations
Check if the intermediary is registered with AMFI.

They should have a valid ARN (AMFI Registration Number).

They must also be registered with SEBI as a distributor.

These give basic regulatory safety to your transactions.

2. Access to Your Folios
You must have direct access to your mutual fund folios.

The folios should be in your name, not the intermediary’s.

You should be able to check your funds via AMC websites or CAMS/KFintech.

Your mobile number, PAN, and email should be correctly registered.

3. Transparency of Plans
Confirm whether your investments are in Regular Plans or Direct Plans.

If it is Direct Plan, there is no commission or advisory.

If it is Regular Plan, confirm if advisory and service are being provided.

Know what you are paying and what you are receiving in return.

4. Statement and Tracking Support
You should get regular statements from the platform or the AMC.

You should be able to track all your investments from one place.

They should help you access CAS (Consolidated Account Statement) as needed.

5. Exit Support
In case the intermediary shuts down, check if you can continue SIPs directly.

A good platform allows easy transfer of folios to another advisor.

There should be no confusion or hassle if you wish to exit the platform.

6. Service and Advisory
Are you getting goal-based financial planning advice or only transactional support?

Does the intermediary offer regular review meetings?

Is your asset allocation being adjusted based on life goals?

Do you have access to a Certified Financial Planner (CFP)?

These factors matter more than the brand or company name.

7. Data Security and Platform Stability
Check how your personal and investment data is stored.

Is the platform technology secure and encrypted?

What are the backup options if the platform stops service?

8. Ownership and Control
Always ensure you control your investments, not the intermediary.

Even if a platform discontinues, you should have all access via CAMS/KFintech.

Be cautious if your data is stored only within the platform and not linked to AMCs.

9. Conflict of Interest
Check if they are recommending funds from all AMCs or only select few.

A good intermediary recommends funds based on your needs, not commissions.

Ask questions if you see biased suggestions or frequent fund switches.

10. Emergency Readiness
Can you redeem funds easily during emergencies?

Will someone guide you if the platform is unavailable?

Does the intermediary have a clear exit support system?

Final Insights
It is not the company name that protects your wealth. It is the system behind it. Whether you continue with this platform or not depends on how well they meet these ten parameters. Check each carefully. If they meet all, you can continue. If not, explore better options. The final choice should depend on transparency, access, safety, service and support.

You must always have full control and clarity about your money. That is true wealth safety.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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