divyanshusharma

[divyanshusharma]

Why Corporate Employees Are Choosing SWPs in 2025

At one of Bengaluru's top IT companies, Rohan, 36, manages projects. He had been investing in mutual funds for years, like many others who have hectic corporate jobs. But in the back of his mind, he was always asking himself the same question: How can I make these investments into a reliable source of income without ever running out of money?

He only wanted something dependable, not big payouts or dangerous wagers. At that point, a friend brought up the concept of a Systematic Withdrawal Plan (SWP). It sounded complicated at first. However, as Rohan learned more, he came to the conclusion that it might be just what he was seeking.

He discovered that an SWP allows you to receive consistent monthly income from your investments in mutual funds. It allows you to withdraw a set amount each month, similar to a salary from your personal savings, rather than a large sum all at once. What's the best part? The remainder of your funds remains invested and keeps increasing.

Rohan found comfort in this thought. In addition to saving for the future, he was now developing a reliable way to spend his money without sacrificing the advantages of long-term investing. SWPs proved to be the ideal fusion of prudent planning and safety for him.

Rohan's journey is one that many corporate workers are currently taking.

SWPs: An Astute Contingency Plan for Individual Workers

SWPs can function as a personal monthly income plan after retirement for private employees without job security or a pension.

SWPs can function as a monthly income after retirement for private employees without pensions or job security. Mutual fund Systematic Withdrawal Plans (SWPs) are increasingly popular among novices and working professionals. While the remainder of your money remains invested and continues to grow, they allow you to take out a set amount on a regular basis—every month, quarter, or year. It's similar to converting your investments into a reliable income that offers you flexibility and comfort.

Here are some plans:

Invest in a mutual fund with low to moderate risk, like a balanced or hybrid fund.

At retirement, begin the SWP with an annual withdrawal rate of 4–6%.

For instance, depending on returns and strategy, investing ₹20 lakh could yield ₹6,000 to ₹10,000 per month.

For stability, invest in a liquid fund or a mutual fund with short-term debt.

How SWPs Work in Mutual Funds

In a mutual fund plan, you make one investment.

An SWP is set up to withdraw a certain quantity (or units) at a frequency of your choosing.

Units of mutual funds are redeemed at the current Net Asset Value (NAV) to fund each withdrawal.

As long as you receive a steady income, your wealth increases because the remaining corpus continues to generate profits.

Why Are (SWPs) Becoming Popular Among Corporate Employees?

Efficiency in Taxation: Compared to more conventional savings options like fixed deposits, mutual fund Systematic Withdrawal Plans (SWPs) are more tax-efficient. Only the capital gains portion of each withdrawal—not the entire amount—is subject to taxation in SWPs. Gains from investing in equity mutual funds and holding them for more than a year are considered long-term capital gains, which are tax-free up to ₹1 lakh annually and subject to only 10% tax after that. Because of this, SWPs are a wise method to receive consistent income while lowering your tax liability.

Adaptability and Personalization: SWPs in India provide unparalleled flexibility, regardless of your preference to withdraw a specific amount, a predetermined number of units, or a portion of your investment. As your needs change, you can modify the frequency, amount, or even pause withdrawals.

Consistent Revenue Without Selling Every Investment: Employees of corporations, particularly those preparing for breaks or early retirement, appreciate the consistent cash flow that mutual fund withdrawal plans provide. By simulating a monthly paycheck, SWPs make it simpler to pay for a child's education, manage EMIs, and handle household expenses and monthly income from mutual funds.

Capital Growth and Inflation Protection: The remaining corpus in an SWP grows over time, helping you outperform inflation over time, in contrast to fixed deposits, where your principal stays constant.

Best Systematic Withdrawal Plans in India: What to Look For

Your investment horizon, income requirements, and risk tolerance all play a role in selecting the best systematic withdrawal plans. For consistent returns and reduced risk when compared to pure equity funds, the majority of experts advise hybrid or debt mutual funds with systematic withdrawal plans.

Essential Issues to Think About:

Track Record of the Fund Manager: An experienced manager can help control risks and optimize returns.

Withdrawal Rate: To maintain sustainability, keep withdrawals at or below the fund's average return, which is typically between 4 and 6% annually.

Tax Implications: Make informed decisions by being aware of how various funds are taxed.

A Real-Life Example: SWP in Action

Let's say Rohan puts ₹20 lakh into a mutual fund that is balanced. He creates an SWP to take out ₹20,000 each month. His regular income is ₹2.4 lakh over a period of one year. The remainder, meanwhile, remains invested and keeps increasing.

Rohan's investment should last for 15 to 20 years or even longer if the fund yields an average return of 8% annually and he withdraws roughly 5% to 6% of his capital annually. In this manner, he receives a consistent income without gradually depleting his initial capital.

Types of Withdrawals in Mutual Funds SWP

Fixed Amount Withdrawals: Take out a certain amount of rupees every time. 

Fixed Unit Withdrawals: Redeem a fixed number of units each period.

Percentage-Based Withdrawals: To account for market performance, withdraw a predetermined portion of your corpus.

How Moneyvesta Can Help You Make the Most of Systematic Withdrawal Plans (SWPs)

 Tailored Strategic and Advisory Planning: Moneyvesta provides individualized guidance based on your financial circumstances as a registered investment specialist. Moneyvesta's advisors can assist you in creating the most effective systematic withdrawal plans for your requirements, guaranteeing capital preservation and tax efficiency, whether you're planning for retirement, a sabbatical, or just want to augment your income.

Choosing Funds and Gaining Knowledge of Top Performers: It's critical to select mutual funds with systematic withdrawal plans. Moneyvesta's "Top Performer" feature makes it simpler for you to choose funds that meet your income and growth objectives by highlighting high-performing funds according to their Compound Annual Growth Rate (CAGR).

Scheme Performance Tools and NAV Finder: Moneyvesta's NAV Finder allows you to track the Net Asset Value of your mutual fund investments, which is essential for determining how many units you're taking out each time. By comparing your fund's returns to benchmarks, you can use the Scheme Performance tool to ensure that the SWP you have chosen is still competitive.

SWP Calculators and Performance Monitoring: When you choose a systematic withdrawal plan, Moneyvesta offers an SWP Performance tool that provides you with a succinct summary of the performance of your investment. This tool assists you in tracking your withdrawal amount, the growth of your remaining corpus, and the sustainability of your withdrawal rate over time. With this clarity, you can decide with knowledge whether to change the amount of your withdrawals.

[divyanshusharma]

SEBI-Registered Advisors for Corporate Professionals

Are you a mid-level corporate professional managing your career but uncertain about your financial future? Despite your EPF, NPS, and SIPs, financial clarity often remains elusive.

Between market volatility, tax confusion, and long-term goals like retirement or education, the complexity can be overwhelming—and time is in short supply.

This is exactly why a SEBI-registered investment advisor (RIA) can be a game-changer for your financial journey.

Why Smart Professionals Still Struggle with Money

Even the most disciplined professionals often face roadblocks on their financial journey. Time is a major constraint. With back-to-back meetings, deadlines, and career obligations, monitoring market trends, rebalancing portfolios, or planning a tax-efficient retirement often takes a backseat.

Add to this the confusion created by conflicting advice—banks promoting their own products, agents selling ULIPs, or mutual fund distributors working for commissions. The result? Overwhelming choices with no clarity.

Further, most investors lack the discipline to stay the course during market fluctuations. Emotional decision-making often leads to panic-driven exits or overexposure to risky assets. Structured planning, especially for retirement, is often absent—leaving professionals with no clear strategy to accumulate their desired corpus.

Finally, there’s rarely a unified financial strategy that integrates income, taxation, investments, risk management, liquidity, and estate planning. Without expert help, even smart earners find themselves directionless.

Why SEBI-Registered Investment Advisors Matter

Your financial journey will be much more credible and compliant if you work with SEBI-registered investment advisors (RIAs). They are qualified professionals who fulfil stringent eligibility requirements and pass regulatory tests like the NISM Series X-B. More significantly, they are legally obligated to act in your best interests rather than sell goods on commission because they are bound by fiduciary duty. RIAs operate on a fee-only basis, charging either a set fee or a small percentage of the assets they advise, in contrast to traditional agents who might get paid by recommending particular financial products. This arrangement guarantees that their attention stays on your success.

RIAs offer comprehensive financial planning by assessing your goals, income, risk tolerance, and tax status in order to create a personalised roadmap for your stage of life. They address every facet of your financial well-being, from recommending appropriate SIPs and maximising your NPS to managing asset allocation and accumulating your retirement corpus. They actively manage your portfolio over time, making adjustments in response to life events, market conditions, and tax optimisation techniques like tax-loss harvesting and capital gains management. Their role doesn't stop with planning.

How Corporate Employers & Employees Benefit Together

In today’s competitive corporate environment, employers are expected to go beyond traditional benefits like PF or health insurance. Offering access to a SEBI-registered investment advisor not only demonstrates a commitment to employee well-being but also strengthens workplace morale and retention.

A recent Morgan Stanley report shows:

81% of employees say they need to speed up financial planning due to economic uncertainty.

HR leaders rank financial advisor access as a top workplace benefit.

For Employers:

Reduced employee stress improves productivity.

Competitive benefits like financial planning aid talent retention.

For Employees:

Improved goal planning and tax savings.

Structured investment strategies aligned with long-term life goals.

What a Corporate-Advisory Framework Looks Like

Working with a SEBI-registered investment advisor entails more than just choosing the best mutual funds; it also involves creating a comprehensive financial plan for your lifetime. It begins with a goal-setting session where you identify the most important things, such as retirement planning, home ownership, or saving for your child's education.

Your advisor develops a customised financial plan based on your income, risk tolerance, and tax status. You'll receive a detailed investment plan that includes information on where to invest (debt, equity, SIPs), how much to invest, and when to rebalance your portfolio.

They will also help you access benefits like the additional ₹50,000 deduction under Section 80CCD(1B) and maximise your retirement options, such as EPF, NPS, and PPF. Additionally, tax planning is integrated, allowing you to save more and retain more of your income.

A new job, marriage, move, or goal are just a few examples of the significant life changes that require your advisor to update your plan on a regular basis, usually every quarter.

Lastly, they will help you with estate planning, which includes creating a will or trust and making sure your designations are current. Therefore, you're confidently preparing for every stage of life, not just investing.

Real‑World Scenario

Divya, a marketing manager in Lucknow earning ₹20 lakhs p.a., has EPF, NPS, an SIP in mutual funds, and some stock holdings. She’s unsure if she’s on track for a ₹5 crore corpus at retirement. Turns out:

Her NPS allocation is too conservative—her advisor recommends combining equities with dynamic allocation strategies.

Her SIPs need rebalancing and tax-efficient transitions.

She qualifies for ₹2 lakh deductions (₹1.5L under 80C + ₹50k under 80CCD(1B)).

The advisor helps structure a monthly cash flow plan, build a contingency buffer, and design a long‑term goal chart.

Within six months, Divya has clarity, discipline, reduced tax liability, and measurable progress toward future goals.

Final Thoughts:

For corporate professionals, juggling a demanding career with long-term financial planning is no longer optional—it’s essential. As responsibilities grow, so do financial decisions—buying a home, planning for children’s education, preparing for retirement, or managing taxes. These decisions require time, discipline, and expertise that professionals often struggle to balance with career demands.

Partnering with a SEBI-registered investment advisor ensures you receive unbiased, regulated, and goal-orientated guidance tailored to your life stage and aspirations. They bring:

Compliance and credibility

Personalized financial planning

Smart, long-term investment strategies

Peace of mind

By choosing a qualified SEBI‑registered advisor, you’re investing in yourself: sharper strategies, less stress, better returns, and a robust corpus for retirement.

At Moneyvesta, we support moral and objective financial planning. We assist investors in navigating the complexities of the market and making wise decisions as a SEBI-registered investment advisory firm. Get in touch with us right now to start down the path to financial success.

[divyanshusharma]

Child education planning Why is goal-based financial planning important?

Why Planning Early for Education Is No Longer Optional

If you're a parent today, you've likely thought about your child's future more times than you can count. And for many, the biggest dream is quality education. But while dreams are free, education certainly isn't. Whether it's primary schooling or a master's degree abroad, the costs are rising at an unprecedented rate. And if you're not planning for it with precision, you might be caught unprepared. This is where goal-based financial planning, especially through mutual fund investments, becomes your most strategic ally.

India's Rising Educational Costs

With inflation in the education sector averaging between 10% and 12%, the cost of education is rising annually. This implies that in the next ten to fifteen years, a college degree that currently costs Rs. 20 lakhs could easily fetch Rs. 40–50 lakhs. And that doesn't include extra costs for things like coaching, lodging, or admissions to foreign countries. Parents now more than ever require a long-term, disciplined investment strategy due to growing school costs and the pressure to provide a solid academic foundation.

Why Mutual Funds Are a Smarter Choice Than Traditional Savings

Mutual funds give you the opportunity to increase your investments in line with the rising cost of education, unlike traditional saving options that hardly beat inflation. Historically, long-term returns from equity mutual funds, in particular, have been between 12 and 15 per cent. Your savings will have direction, structure, and the potential to grow significantly if you use a goal-based approach to match these returns with your child's academic milestones.

What Is Goal-Based Investing and How Does It Work?

Goal-based investing is exactly what it sounds like—you set a financial goal, such as funding your child’s college education, and then work backwards to create an investment plan to meet that goal. This approach takes into account not only the amount needed but also the timeframe. For instance, if your child is currently 3 years old and you want to accumulate Rs. 50 lakhs by the time they turn 18 for higher education, you have a 15-year horizon. Using this window, you can structure a Systematic Investment Plan (SIP) that grows steadily, leveraging the power of compounding.

SIPs: The Discipline You Need for Long-Term Goals

The discipline and consistency of SIPs are what make them so appealing. Over time, even small monthly contributions can build up to a sizeable corpus. More significantly, SIPs enable rupee-cost averaging, which smoothes returns by allowing you to invest throughout market ups and downs. For long-term objectives like education, where the timeframe enables you to absorb market volatility and profit from growth, this strategy is particularly effective.

Align Your Strategy with Your Child’s Age

Your approach should change as your child does. Since the goal is still a long way off, you can afford to take on more equity exposure in the early years. However, as the objective draws closer, it's critical to gradually move your investments into more conservative products, such as debt mutual funds or hybrid funds. This guarantees that when you're about to need the money, your accumulated corpus will be shielded from unexpected market declines.

Children’s Mutual Funds: A Specialized Route Worth Considering

In India, a lot of fund houses even provide mutual fund schemes tailored to education or gift funds for kids. These programmes are designed to coincide with educational milestones and frequently have a lock-in period. Although they are not required, they provide a strategic and psychological advantage because you are making an investment with your child's future in mind, which can be incredibly inspiring.

Peace of Mind Through Financial Clarity

The psychological advantages of goal-based planning are another underappreciated feature. You can feel so much more at ease knowing that you're moving towards your child's dream in a methodical and steady manner. You give yourself choices and flexibility instead of rushing to get school loans or later sacrificing quality. Knowing that you're creating a safe route forward is more important than merely looking at the numbers.

Continue to Evaluate and Modify Your Plan

Regularly reviewing your plan is also crucial. Your returns could be impacted by changes in the market, your child's goals, or your income. You can stay on track by reviewing and modifying your SIP contributions annually. Consider it a straightforward, practical, and vital annual check-up for your financial well-being.

How Moneyvesta Helps You Plan Smarter

Now, you might be wondering, where should you start? Which funds should you pick? How much risk is too much? This is where Moneyvesta can truly help. Moneyvesta offers expert-guided, SEBI-compliant financial planning tailored to your goals. Whether you're starting with Rs. 1,000 a month or Rs. 10,000, the platform helps you craft a child education investment strategy that’s built around you—your timeline, your comfort level, and your ambition.

Final Thoughts: Education Is a Gift Worth Planning For

With Moneyvesta, you're not just investing. You're creating a clear roadmap for one of the most important journeys your child will ever take. And you’re doing it in a way that’s smart, structured, and aligned with your long-term vision.

Because education is not just a goal—it's a gift. One that deserves every ounce of planning you can give.

[divyanshusharma]

How to Plan Your Early Retirement?

What if you never had to wait till 60 to live life on your own terms?

Early retirement isn’t about quitting work — it’s about gaining the freedom to choose what you work on, when, and how.

Early retirement isn't just for the wealthy or lucky anymore. With smart financial planning and the right investments, even a salaried professional in their 20s or early 30s can design a future where work becomes optional by the time they’re 45 or 50.

In 2025, the options for growing your money are broader than ever — from high-performing mutual funds to smart withdrawal strategies that let your wealth last well into retirement.

Why Make an Early Retirement Plan?

Early retirement doesn’t mean you’ll stop being productive — it means you’ll have the freedom to:

Work on your own terms (or not at all)

Spend more time with family

Travel or pursue hobbies

Start a passion project or business

But freedom isn’t free. It requires a plan — and that plan starts with consistent investing, not just saving.

Why 2025 Might Be the Best Year to Start

2025 is the perfect year to enter long-term investment vehicles because markets are displaying a healthy mix of opportunity and correction. 

For example:

Investing ₹15,000/month in a mutual fund with an average return of 12% per year starting in 2025:

In 15 years, you could build a corpus of approx. ₹73 lakhs.

If you choose to withdraw only the interest (6% annually), you could generate a monthly income of around ₹37,500—while preserving the full corpus.

This is not a theory. It's compounding, and timing isn't as effective as time.

How to Plan Your Early Retirement (Step by Step)

Calculate Your FIRE Number: To retire early, you need to know how much is “enough”.  FIRE (Financial Independence, Retire Early) number = Your yearly expenses × 25        If you expect to need ₹6 lakhs annually, your target is ₹1.5 crore. Once this is invested properly, you can live off the returns while your wealth keeps growing.

Start SIPs That Build Discipline: Set up Systematic Investment Plans (SIPs) in mutual funds. This creates a habit — and you don’t need to start big.

A ₹10,000/month SIP at a 12% return could grow to:

₹50.4 lakhs in 15 years

₹1 crore in 20 years

That’s retirement fuel — built month by month.

 Diversify Your Investment Portfolio: 

               Spread your money across multiple asset classes to reduce risk and ensure smoother long-term returns.

Equity Mutual Funds – for long-term wealth and inflation-beating growth. Choose from large-cap, flexi-cap, or ELSS based on your risk appetite.

Index Funds – low-cost options that mimic the market, ideal for hands-off investing.

Hybrid Funds – provide a balanced mix of equity and debt, offering both growth and capital protection.

Debt Funds – stable, lower-risk investments that work well for income withdrawals via SWP.

Additionally, consider international mutual funds or REITs (Real Estate Investment Trusts) to hedge against domestic market volatility and add a global diversification edge. The key is not to put all your eggs in one basket—but to choose baskets that complement each other.

The SWP Advantage — Better Than Pensions

Once you’ve built your retirement corpus, don’t withdraw it all at once.

Instead, use a Systematic Withdrawal Plan (SWP):

It lets you withdraw a fixed amount monthly

Your remaining investment stays invested and continues to grow

You only pay tax on the withdrawn amount — not the entire corpus

  Why SWP is Ideal for Early Retirees:

Provides predictable monthly income

Reduces dependence on interest income or traditional pensions

Allows you to design your own “salary” from your investments

Let’s say you’ve created a ₹1 crore fund by age 45.

An SWP of ₹50,000/month can last over 20–25 years, while the remaining amount earns returns.

This means you can quit your job without quitting your income.

Let the Pull Happen: Not Every Decision Needs a Push

If you’ve read this far, it means you already care about your financial future. That’s half the battle.

Instead of waiting for someone to sell you a product or push you into a scheme, take charge of your own planning. Use:

Free retirement calculators

Mutual fund comparison tools

Goal-based planning templates

And if you ever need curated support, Moneyvesta provides SEBI-registered guidance with transparent, data-backed investment baskets — no calls, no pressure.

Final Thought: You’re Not Too Young. You’re Just Early Enough.

Early retirement is no longer a fantasy for “someday”.

If you’re in your 20s or 30s and reading this, it means you're already ahead of most people — because you're thinking about freedom before the world forces you to.

Just start with one good habit:

Invest consistently. Withdraw wisely.

The life you want at 45? You build it at 25.

[divyanshusharma]

Best 5 Mutual Funds to Watch in 2025 for Smart Investors

If your money is still sitting idle in an FD or savings account, you’re already falling behind. In 2025, neither inflation nor investors who have discovered the true growth potential of mutual funds are slowing down.

The biggest mistake most new investors make? Choosing mutual funds just because they’re popular. Selecting the appropriate fund for your stage of life, income, and risk tolerance is crucial.

Therefore, this blog will not only show you five mutual funds that are actually performing in 2025, but it will also assist you in determining which category—large cap, mid cap, or small cap—is best for you, regardless of whether you're a college student just starting out, a salaried professional looking to accumulate wealth, or someone planning for early retirement.

How to Choose the Right Mutual Fund Based on Your Life Stage

If You’re a Student or Early in Your Career: Go with Large or Balanced Funds

You’re still figuring things out—and that’s okay. But even with a small income, you can start investing today. The goal at this stage? Learn the game and avoid taking unnecessary risks.

Start with:

Large Cap Funds – They invest in India’s most stable companies.

Balanced Funds or Hybrid Funds – A mix of equity + debt = lower risk.

If You’re a Working Professional in Your 20s or 30s: Explore Mid Cap and Small Cap

You’ve got income, time on your side, and a better understanding of your goals. This is when compounding can become your best friend.

Focus on:

Mid Cap Funds – Ideal for long-term growth.

Small Cap Funds – Higher returns, but needs patience and discipline.

If You’re Closer to Retirement or Want Stability: Go for Large cap.

You can't afford too many surprises. That’s why large-cap funds—which invest in well-established companies—make sense here. They won’t double overnight, but they protect capital while giving modest growth.

Now Let’s Look at the Top 5 Mutual Funds That Are Winning in 2025

Motilal Oswal Midcap Fund

Regular SIP investors in this fund have seen annualised returns exceeding 25% over the past 5 years—that’s the power of smart midcap stock selection.

This fund focuses on companies that are well past the startup phase but still have tonnes of room to grow. Think chemical leaders, tech manufacturers, and scalable healthcare businesses.

Perfect for:

 Professionals with a 5–7 year horizon

 Investors who want growth without going full small-cap risky

Bandhan Small Cap Fund 

In just the last 12–15 months, this fund has delivered 30–35% growth, thanks to early bets on sectors like electronics manufacturing, logistics, and capital goods.

This fund is perfect for those betting on India’s booming small-cap economy and can stay invested despite short-term volatility.

Perfect for:

  Young professionals with high risk appetite

  Investors ready to stay invested for 7+ years

Bank of India Small Cap Fund 

While not as talked about, this fund has quietly delivered strong quarterly gains by focusing on under-the-radar companies in engineering, defence, and manufacturing.

Some holdings have doubled in under two years, making it a favourite among savvy investors who want to catch growth before it hits the mainstream.

Perfect for:

  Professionals who research before investing

 Investors who like discovering hidden gems

ICICI Prudential Large Cap Fund 

When the market swings, this fund stays strong. It invests in blue-chip stocks—think banks, IT giants, and energy players—and offers predictable, reliable growth.

In 2025, this fund gave investors steady returns even when others struggled during volatile phases.

Perfect for:

  First-time investors

  Students or retired individuals

  Anyone who wants a “low-drama” mutual fund

Quant Infrastructure Fund 

This fund is specifically designed for investors who wish to place bets on India's long-term infrastructure story. This fund took advantage of the post-budget rally early on thanks to its exposure to capital goods, real estate, and logistics; some investors have already seen returns of 40% or more in less than 18 months.

The play's bold theme is in line with India's national growth agenda.

Perfect for:

 Experienced investors

 Those who want to diversify with sector-specific funds

Final Thought: Before You Invest: Make Sure the Fund Fits You

Everyone loves a fund when it’s trending. But what matters more is whether it aligns with your financial goals. Each of these 5 funds is doing great in 2025—but your ideal choice should depend on where you are in life and what you want to achieve.

Don’t just chase returns. Chase relevance.

Still Confused About Where to Start?

At Moneyvesta, we simplify investing. We help you understand your options, not overwhelm you with jargon. Our SEBI-registered advisors guide you in choosing the right mutual fund based on your goals, risk profile, and time horizon.

 Personalized plans

  No hidden fees

  No confusing jargon—just clear advice

Your wealth journey doesn’t start with money. It starts with clarity. And Moneyvesta is here to give you that.

Ready to start investing smart in 2025?

Follow us on Instagram, Moneyvesta — we regularly post easy-to-understand insights to help you discover which mutual fund suits you. From expert tips to tailored recommendations, everything you need to grow your wealth is just one follow away.

[divyanshusharma]

Is It Worth Having an Investment Advisor in 2025?

In today’s digital-first world, where finance influencers offer “quick wins” and robo-advisors automate everything, it’s easy to assume you can handle money on your own. And sure, you might — for a while. But managing your finances well isn’t just about picking the right fund. It’s about building clarity, consistency, and confidence over decades. But here’s what most people overlook:

A qualified investment advisor — especially a SEBI Registered Investment Advisor (RIA) — offers personalised guidance, helps you avoid emotional money mistakes, and saves you hours of research and stress.

If your finances are complex or your investments are growing beyond ₹10-15 lakhs, a good advisor can actually help improve your returns over time — not just through better asset allocation but through smarter decisions and fewer mistakes.

For many, having an advisor isn’t about “outsourcing” decisions — it’s about having a second brain for your money. And that’s almost always worth it.

 First, Who Is an Investment Advisor?

An investment advisor is a professional or firm registered with SEBI (in India) or similar bodies worldwide. Their main role is to help you plan, grow, and protect your money ethically and legally.

They help you:

Choose the right investments for your goals.

Build a diversified portfolio.

Track markets and rebalance when needed.

Avoid panic decisions during market swings.

Only SEBI Registered Investment Advisors (RIAs) in India are required by law to prioritise your interests.

 Why Do People Hire Investment Advisors?

What a true advisor contributes is as follows:

 Expert Knowledge They spend their days researching markets and products so you don’t have to.

 Tailored Plans No generic tips – A good advisor studies your income, expenses, goals, taxes, and risk comfort to build a plan just for you.

 Behavioral Guidance Data shows that panic-selling hurts investors. A steady advisor can help you stay calm and stick to your plan.

 Saves Time & Stress Researching funds, rebalancing, and staying updated — they handle the heavy lifting so you can focus on life.

But Can’t You Do It Yourself?

You can, and many people do! DIY investing with:

Robo-advisors

Zero-commission stock apps.

YouTube tutorials.

works fine for some — especially if:

You like researching.

You have simple goals.

You’re disciplined and have time.

When markets become volatile or when life goals change suddenly, many do-it-yourself investors run into trouble, even with the best apps. When the market is collapsing, a robo-advisor cannot call you. Your individual tax situation cannot be taken into consideration by an Instagram reel. Having someone who understands your financial ancestry can be extremely beneficial in this situation.

So When Is an Advisor Worth It?

 You have sizeable investments. If your portfolio crosses ₹10-15 lakh, it’s smart to get professional input.

 Your finances are complex. Multiple income streams? Business income? Retirement abroad? Children’s education? A pro helps you see the full picture.

 You want peace of mind. Sometimes the biggest value is just knowing your money is in safe hands.

How Much Does an Investment Advisor Cost?

A SEBI-registered advisor may charge:

A flat yearly fee (₹10,000–₹50,000).

Or a % of your assets (often 1%-2%).

While it’s an expense, studies — like Vanguard’s “Advisor’s Alpha” — suggest that good financial advice can add 1.5%–3% to your portfolio’s returns annually. That might come from smarter asset allocation, better tax efficiency, or simply avoiding panic-selling.  panic selling. Over 10–20 years, that extra compounding can lead to significant long-term gains.

How To Choose The Right One

 Verify SEBI registration

Ask about their fee-only model (avoid commission-based sellers).

  Read reviews & ask questions

  Make sure you feel comfortable discussing money with them

Bonus tip: Ask your advisor how they’re compensated and whether they receive commissions from product providers. True SEBI RIAs follow a fee-only model and act as fiduciaries — meaning they are legally required to work in your best interest, not theirs.

Final Verdict: Is It Worth It?

If you're just starting out, enjoy learning about personal finance, and have straightforward goals like saving for a vacation or building a basic emergency fund, then DIY investing — especially through index funds or low-cost mutual funds — can be a smart, affordable path. It gives you full control, helps you build confidence, and costs next to nothing.

But as your income grows, your responsibilities multiply, and your financial landscape becomes more complex — think taxes, retirement, children’s education, or multiple income streams — the margin for error also increases. That’s where a qualified investment advisor becomes more than just a “nice-to-have”.

They’re not just picking stocks — they’re helping you design a long-term strategy, avoid emotional mistakes, manage risk, and navigate big life changes with clarity and confidence. Much like hiring a great doctor for your health or a trusted lawyer for legal matters, the right advisor can protect your wealth and help it grow — even when markets (or life) get unpredictable.

So before you scroll past or assume it’s too early, ask yourself: would your future self thank you for getting guidance now? Because when it comes to money, waiting often costs more than acting wisely today. Moneyvesta are making it easier than ever to access SEBI-registered, unbiased advice built around your life — not someone else's agenda.

[divyanshusharma]

SEBI-Registered Investment Advisor (RIA)

With social media full of influencers sharing risky stock tips and sales agents misrepresenting themselves as advisors, it’s becoming harder to find genuine financial guidance. SEBI-Registered Investment Advisors (RIAs) offer a licensed, regulated alternative that puts your interests first.

With influencers pushing stock tips, agents selling high-commission insurance plans, and friends dishing out advice based on luck, it’s hard to tell what’s helpful and what’s harmful.

That’s exactly why SEBI Registered Investment Advisors (RIAs) have become essential. These are licensed professionals legally obligated to offer transparent, goal-oriented, and conflict-free financial advice. And in this blog, you’ll learn what makes them different—and why this might be the smartest way to plan your financial future.

What Does a SEBI Registered Investment Advisor Do?

The Securities and Exchange Board of India is referred to as SEBI. Similar to how the RBI regulates banks, it is the regulatory body in charge of monitoring India's securities markets.

Under SEBI’s Investment Adviser Regulations (2013), an RIA is someone formally licensed by SEBI to provide fee-based investment advice. This is significant because RIAs are prohibited from profiting from the sale of financial products to you, in contrast to brokers or agents who receive commissions. Their sole responsibility is to assist you in reaching your financial objectives.

They act as fiduciaries, meaning they are legally required to put your interest above their own.

Why You Shouldn’t Rely on Just Any “Advisor”

In India, many insurance agents or mutual fund sellers call themselves “financial advisors”, but they aren’t bound by SEBI regulations. These individuals may:

Misrepresent themselves as advisors without SEBI registration

Push high-commission insurance or mutual funds

Omit disclosure of how they’re being paid

A SEBI RIA, however:

Has no product-selling incentives

Has no product-selling incentives

 Works with a transparent fee structure

 Gives advice that’s independent and in your best interest

Follows a fiduciary standard defined by law

That’s why more and more investors are turning to SEBI RIAs for ethical and unbiased guidance.

Services Offered by SEBI-Registered Investment Advisors

SEBI RIAs help with much more than mutual fund selection. They offer structured financial advice tailored to your goals, income, and risk appetite.

Here’s what most SEBI RIAs offer:

Comprehensive financial planning

Retirement planning

Tax-saving strategies

Mutual fund portfolio reviews

Investment strategy based on your risk profile

Emergency fund planning

Goal tracking and regular plan reviews

This long-term, disciplined approach is what separates a professional from a quick-fix tipster.

How Much Do They Charge?

SEBI has strict guidelines on how RIAs can bill customers. 

SEBI allows RIAs to charge up to ₹125 per hour or 2.5% of the Assets Under Advice (AUA), but not both. This ensures pricing transparency.

No unstated commissions. No product partnerships. Just complete transparency regarding what you are getting and what you are paying for.

This arrangement fosters trust and keeps the advisor's attention on your objectives rather than on how much money you make from your investments.

How to Verify if Someone is a SEBI-Registered Investment Advisor

It's simple, and before collaborating with anyone claiming to provide investment advice, you should make sure.

Here’s how:

Ask for their SEBI registration number

Visit the official SEBI website (https://www.sebi.gov.in)

Navigate to the “Investment Advisers” section

Enter the name or registration number to verify their details

This simple step can save you from getting misled by someone who’s not legally authorised to advise you.

Make Smarter Money Decisions, Not Just Faster Ones

The days of blindly following tips, YouTube channels, or bank relationship managers are over. Indian investors are getting smarter, and the demand for regulated, unbiased, and goal-orientated financial advice is growing fast.

SEBI-registered investment advisors represent the future of wealth-building in India. They’re accountable, knowledgeable, and required by law to work for you—not for commission.

If you’re serious about creating a strong financial future, the safest move is to work with someone who is regulated, verified, and transparent.

So, the next time someone offers you free advice, ask them:

“Are you SEBI registered?”

Because that one question could change the trajectory of your entire financial life.

Do you want to begin your financial journey with a reliable person?

For SEBI-registered, data-driven financial advice, a growing number of working professionals and new investors are turning to Moneyvesta. With an emphasis on long-term objectives, open pricing, and no commission bias, Moneyvesta has subtly become a reliable brand for people looking for control and clarity in their financial planning.

[divyanshusharma]

6 Money Mistakes People Make in Their 20s

Your 20s are about building dreams, but one bad money habit can ruin your future. Here are the top financial mistakes people make in their 20s and what you can do to avoid them.

Most schools and universities do not teach personal finance. We enter our 20s full of energy, passion, and ambition, but frequently without a financial plan. The outcome? Financial blunders that result in debt, missed opportunities, and chronic stress.

The good news is that you can steer clear of all of that. Even with a modest income, you can begin to build real wealth in your 20s with a little help.

At Moneyvesta, we assist young professionals and students in transforming financial ambiguity into clarity. Let's examine the most typical financial errors made by individuals in their 20s and how to prevent them.

1. Living Paycheck to Paycheck

This is by far the most common mistake. As soon as money enters your account, it’s gone. Rent, food, online shopping, Zomato orders, subscriptions—it all adds up. Many 20-somethings survive month-to-month without realising they’re stuck in a financial loop.

Why It’s Risky:

No room for emergencies

No savings

More likely to rely on credit cards or loans

How to fix it:

Start budgeting. Use the 50/30/20 rule:

50% on needs (rent, bills, groceries)

30% on wants (shopping, eating out)

20% on savings or investments

2. Delaying Investments Because “It’s Too Early”

“I’ll start investing when I earn more.” Sound familiar? That’s what most people say in their 20s—and it's one of the biggest financial blunders.

Why It’s Risky:

Time is your most powerful asset when investing. The earlier you start, the more you benefit from compounding.

Let’s say you start investing ₹2,000/month at 23. By 33, you could have over ₹4.5 lakh saved (assuming a 12% annual return). Start at 30, and you lose those extra years of growth.

Fix it:

Start small. Even ₹500/month in a mutual fund SIP (Systematic Investment Plan) is better than waiting. Automate your investments so they happen without you thinking.

If you’re unsure where to begin, Moneyvesta offers beginner-friendly investing resources and personal support.

3. No Emergency Fund

We believe we are unbeatable when we are young. However, family emergencies, medical expenses, or job losses can occur suddenly. You might have to use credit cards or loans to make ends meet if you don't have any savings.

Why It’s Risky:

Sudden expenses become long-term debt

High stress during tough times

Fix it:

Build an emergency fund equal to 3–6 months of your basic expenses. Keep it in a separate bank account or liquid fund that you don’t touch unless it’s urgent.

4. Misusing Credit Cards

Credit cards can be powerful tools—but they can also ruin your credit score and trap you in debt if used irresponsibly.

Common Mistakes:

Paying only the “minimum due”

Treating it like free money

Ignoring the interest rate (which can go above 36% annually)

Fix It:

Pay your credit card bill in full every month.

Don’t spend more than 30% of your credit limit.

Use credit cards for cashback or rewards—not to cover gaps in your budget.

5. Not Setting Clear Financial Goals

Saving money “just to save” rarely works. Without a clear destination, it’s easy to get distracted or demotivated.

Why It’s Risky:

No motivation to save consistently

No framework for evaluating progress

 Fix It:

Set S.M.A.R.T. financial goals—Specific, Measurable, Achievable, Relevant, and Time-bound.

Examples:

Save ₹1 lakh for travel by next December

Build a ₹5 lakh emergency fund by age 30

Invest ₹3,000/month to buy a car in 3 years

At Moneyvesta, we provide downloadable goal trackers and calculators to make this easier.

6. Not Learning About Personal Finance

You spend hours scrolling Instagram, but when someone asks about “mutual funds” or “credit scores”, you freeze. That’s not your fault—but it is your responsibility to learn.

Why It’s Risky:

You’ll be easily misled by salespeople or influencers

You won’t make confident financial decisions

Fix it:

Commit to learning. Read one finance article or blog per week. Follow brands like Moneyvesta on Instagram. Watch YouTube videos, or try beginner-friendly courses on sites like Zerodha Varsity or Groww Academy.

Final Thoughts: Your 20s Are a Launchpad, Not a Delay

Here’s the truth: You don’t have to be rich to be financially smart.

Even if you earn ₹15,000/month, what you do with that money matters more than how much it is. Avoiding these money mistakes is the first step toward a future where you control your finances—not the other way around.

You don’t need to have it all figured out. You just need to start now.

Want Help With That?

At Moneyvesta, we break down personal finance into simple, actionable steps for beginners. Whether you're a student or a working professional, our tools, guides, and weekly tips are designed to help you build wealth confidently.