Most salaried professionals and NRIs own mutual funds. Very few have a mutual fund investment plan.
There is a significant difference — and it shows up in your returns, your taxes, and whether you actually reach your goals.
My role is to recommend and plan — not to sell products for commission. As an AMFI-registered Distributor (ARN–244802), all fees are fully disclosed and built into the fund's expense ratio. You pay nothing extra, ever.
Already see the gaps in your current portfolio?
Start with a free 1-hour conversation — no paperwork, no pressure.We start with your goals — not a fund list.
Already investing? We review what you have, fix what is not working, and connect everything to a goal.
The right fund at 35 is not the same fund at 55. We plan for every stage — not just the next SIP.
Before any fund is recommended, we identify exactly which stage of your financial journey you are at. The R.S.W. Financial Independence Framework is a structured, five-stage wealth planning system built for salaried professionals — ensuring your mutual fund investments are placed at the right stage, for the right goal, with the right discipline. A SIP without a stage is just a standing instruction.
Managing Money
Build Safety Net
Accumulate Wealth
Accelerate Wealth
Build Legacy
Starting out — we build a simple, goal-based SIP plan that makes sense from day one and grows as your income does.
Already investing but unsure if you are on track — we audit, consolidate, and realign so every fund has a purpose.
Investing in India from abroad through NRE/NRO accounts — full KYC guidance, FEMA compliance, and ongoing reporting.
Simple answers to the questions we hear most.
Buying a fund online is easy. But which fund? For which goal? For how long? Without answers to these questions, most investors end up with products — not a plan.
Mutual Fund Investment Planning ensures every fund you own has a purpose, a timeline, and a review schedule. It is the difference between owning funds and owning a plan that works toward something specific in your life.
Most likely yes — not because your funds are bad, but because they are probably not connected to a goal.
Most investors hold funds bought at different times, for different reasons, with no structure connecting them. We audit what you have, remove what is redundant, and build a plan around what remains.
We evaluate funds on performance consistency across market cycles, risk-adjusted returns, fund manager track record, expense ratio, and overlap with your existing holdings.
Most importantly, we match the fund's actual risk behaviour to your genuine risk capacity — not just its category label. A "moderate" fund can behave very differently in a downturn, and we account for that.
Between 4 and 8 — each with a clear role. Most investors hold 10 to 15 and call it diversification. It is not. It is confusion.
One of the first things we do in a portfolio review is simplify and consolidate — without triggering unnecessary tax events in the process.
Most funds allow SIPs from ₹500 per month. There is no meaningful minimum.
What matters is starting with a plan — not a large amount. A ₹5,000 SIP linked to a clear goal with the right fund will consistently outperform a ₹50,000 SIP with no structure behind it.
No. When markets fall, your SIP buys more units at lower prices — this is Rupee Cost Averaging. Stopping during a correction is pausing your purchase of something that has just gone on sale.
Stay invested. The plan was built for exactly this situation. The investors who stay invested through corrections are typically the ones who build real wealth over a decade.
Equity funds held over 12 months — LTCG above ₹1.25 lakh taxed at 12.5%. Below ₹1.25 lakh — tax free.
Equity funds held under 12 months — STCG taxed at 20%.
Debt funds — gains taxed at your income slab rate regardless of holding period.
For NRI investors, TDS is deducted at source on redemptions. We provide capital gains statements for straightforward ITR filing. Tax laws change — always consult your CA. You can also review SEBI's investor guidelines → for regulatory context.
Yes — through NRE (fully repatriable) or NRO (non-repatriable) accounts subject to FEMA guidelines. Most major AMCs accept NRI investments. A small number do not accept US or Canada-based NRIs due to FATCA compliance requirements.
We guide NRI clients through KYC, account setup, fund selection, and ongoing reporting — including capital gains statements for filing in India and abroad.
Ready to move from a collection of funds to a structured plan?
Book a free 1-hour consultation with Nitin Wali
The website persfinanceplanning.in is owned by Mr. Nitin Wali, Pune based Chartered Wealth Manager [CWM] , a registered AMFI Mutual Fund Distributor ARN–244802 and a registered Distributor APRN07002 for Portfolio Management Services (PMS).
As a distributor, the role is limited to facilitating access to mutual funds and PMS providers registered with SEBI and recommending suitable product options based on the investor’s profile.
This platform does not provide investment advisory services under SEBI (Investment Advisers) Regulations, nor does it act as a Portfolio Manager. All information, tools, and calculations shared here are for educational purposes only.
No fees are charged to investors for using this website. The distributor may receive commissions from AMCs or PMS providers for distribution-related activities.
Mutual fund and PMS investments are subject to market risks. Past performance does not guarantee future results. No assurance is given regarding investment returns or the achievement of financial objectives.
