The same three steps whether you invest ₹5 lakh or ₹5 crore. Only the products change, not the process. This page shows the whole of it — the questions we start with, how money is split into three buckets, what we watch every day, and how we are paid.
Before we name a single fund, we ask what the money is for — and when you will need it. Every portfolio we service starts as a one-page answer to these.
We write down what the money is for, when you need it, and how much of a fall you can sit through without selling.
You get a one-page plan and a documented risk profile. We both sign it. It is what we go back to when markets get noisy.
A diversified core does most of the work. Smaller, higher-conviction ideas are added in limited size, with an exit rule decided upfront.
Index funds where cost matters most — including sectoral index funds when the plan wants mid- or small-cap sector exposure. Active funds where a good manager adds value. SIF, PMS or AIF only when the plan needs them and you qualify.
Reviews happen on a fixed schedule, not when the news gets loud. Same format in a good quarter and a bad one.
We check what changed in your life, what changed in the portfolio, and what — if anything — is worth considering. Rebalancing follows the plan, not headlines. You decide; we execute what you approve.
Money you need next year and money you need in 2045 should not sit in the same funds. So we split it into three buckets — on paper first, then in your account.
For a business: the short-term bucket is where a firm's working surplus sits — overnight, liquid and short-duration funds holding AAA/AA paper, laddered to when the money may be called on, instead of a current account at zero. For a household: monthly income comes from the short-term bucket. At each review, gains from the long-term bucket top it up — so a bad year in equities never forces you to sell to pay next month's bills.
"We review quarterly" is what everyone says, so it tells you nothing. This is what the fifty minutes are actually spent on — in a quarter when things went well, and in one when they did not. Video, phone, or at the office in Pammal, whichever suits you.
Every holding, what it cost, what it is worth, and each goal against the number it needs to reach. No selective screenshots.
What moved and what caused it. If something we hold did badly, we go through it in the same detail as the things that did well.
Anything worth adjusting, with the reason, the cost and the tax alongside. Often the answer is nothing, and we say so rather than find something to do.
One thing explained properly — how a category works, what a rule change means for you. Then whatever you want to ask, for as long as it takes.
Between reviews, anything that genuinely affects what you hold — a change at a fund house, a rule change, a manager leaving — reaches you when it happens, not at the next review. Everything else waits, so that a message from us always means something.
Choosing a fund is a small part of the work. Most of it is watching — markets, policy, fund performance and every portfolio we service — so that anything we suggest is well informed, and you can decide with confidence.
Budget announcements, RBI and SEBI decisions, global events — and what each one means for different sectors and the funds exposed to them.
Whether each fund we use is still doing its job against its category and benchmark — and whether the fund manager or strategy has changed.
Recent investments and portfolios built years ago are reviewed in a continuous loop, not just when a client calls.
Which schemes suit your goals and risk profile, and when a change is worth considering — with the reason for it. You decide; we execute what you approve.
Everything sits in your name. We use standard industry platforms to service and report — you can see it all, any time.
Opened in your name on NSE's mutual fund platform. Paperless KYC and transactions; your bank account is mapped for all redemptions. We only initiate what you approve.
See your individual or family portfolio, performance, transactions and capital-gains reports. Available on web, iOS and Android.
Login details are shared once your account is set up. The dashboard is a reporting tool; it does not hold your money — your investments stay with the fund houses, in your name.
Choosing a scheme is a small part of the job. Most of it is reading, meeting fund managers and watching what a Budget, an RBI decision or a rule change does to the funds you hold — so that every suggestion arrives with its reason and its cost.
We map which sectors each fund you hold is exposed to, and follow what policy and market changes do to them. Sector exposure taken on purpose, capped at an agreed share, with an exit rule agreed before entry, is a fair way to hold a view. The same exposure collected one NFO at a time is a different thing — and we will show you the true concentration.
Many active sector funds lean large-cap. When the plan wants concentrated mid- or small-cap exposure to a sector, a sectoral index fund can deliver it more directly and at lower cost. We put both in front of you, with the expense ratio and the gap.
Liquid, short-duration and corporate-bond funds laddered to when the money is needed — for a firm's working surplus or a household's next three years. Credit quality and duration are shown before you invest.
We sit with fund managers and product teams at the AMCs regularly, and read the scheme documents, factsheets and portfolio disclosures every month — across the funds we use and the ones we do not.
Educational only. Nothing above is a recommendation to buy or sell any scheme, and no return is implied. Seed Investments does not provide investment advice; suggestions are made to help you assess suitability, and the decision is yours.
We are a mutual fund distributor, not a fee-charging adviser. Here is what that means for you.
Thirty minutes. You leave with a written summary — whether or not you become a client.