Frequently Asked Questions

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At FideloWealth, we design personalized, goal-focused financial strategies that align with your unique aspirations in life.

Our offerings include:

• Guiding you in choosing the right Term & Health Insurance for your family’s protection.
• Helping you build an investment portfolio in Mutual Funds that matches your goals, risk appetite, and growth expectations.
• Assisting with drafting a clear and simple Will, so your legacy is preserved for the next generation.
   

From safeguarding today to preparing for tomorrow, FideloWealth is with you at every step of your financial journey.

 FideloWealth works with a diverse group of clients—entrepreneurs, professionals, retirees, single women, and NRIs.

For us, it’s not about how much money you start with—it’s about the value we can create together. Our expertise lies in serving emerging and mid-net-worth individuals who want to grow steadily and build lasting wealth.

We believe in nurturing clients with patience, discipline, and clarity. Our ideal partners are those who value trust, simplicity, and a long-term approach to wealth creation.

 We enjoy partnering with people who:

• Are curious about money management and open to learning the right way to build wealth.
• Take responsibility for their financial decisions and remain committed to long-term goals.
• Value patience, discipline, and consistency as the true foundation of financial success.
• Can look beyond market noise and media distractions, focusing instead on what really matters.
   

If you believe in clarity over clutter, and guidance over quick fixes, FideloWealth could be the right partner for your financial journey.

 Our approach isn’t for everyone. We may not be the best fit if you:

• Seek quick wins or short-term gains.
• Constantly compare returns and let fear or greed drive decisions.
• Track your portfolio daily, expecting instant results.
• Believe free tools or websites can replace a structured, experience-led strategy.
• Prefer DIY investing but struggle to stay consistent or second-guess professional advice.
• Focus only on cost while overlooking the long-term value of expert guidance.
   

At FideloWealth, there’s no minimum investment required—but there is a minimum mindset. True wealth-building takes time, discipline, and trust. Meaningful results typically unfold over 5+ years. If that feels too long, we may not be the right partner for you.

Clarity is the foundation of trust. That’s why we’re upfront about what you won’t find us doing:

• We don’t try to forecast short-term market trends—because no one can do it consistently.
• Our focus is on building long-term, sustainable wealth—not quick fixes.
• We won’t promise overnight success—true wealth needs patience and discipline.
• We don’t churn or overtrade portfolios—compounding works best with stability.
• Most of the time, we recommend staying the course—because inaction is often the smartest action.
• We avoid constant tinkering—once a solid plan is set, consistency drives results.
• We won’t push you to invest—like a trusted doctor, we step in with our full commitment when you seek guidance.

Absolutely! We serve clients across India and in 11+ countries worldwide.

Thanks to Zoom, we’re always just an e-meeting away—at your convenience.

And if you’re ever in Katni or Chennai, we’d be glad to meet you in person. Some conversations are best shared face-to-face.

At FideloWealth, we see ourselves as lifelong learners of the markets. Over the past 15+ years of managing our own wealth, we’ve made mistakes, stayed humble, and kept improving. Every misstep became a lesson—and the key is never repeating the same mistake twice.

Some lessons that continue to guide us:

• The best holding period is often forever.
• Wealth creation is steady, even boring—and that’s exactly why it works.
• Less portfolio churn usually means better long-term returns.
• Investor discipline matters more than chasing high investment returns.
• Not every fund will outperform—but what counts is the portfolio as a whole.
• Market corrections are normal; the long-term direction remains upward.
• Conviction is important—when you believe in an idea, back it with meaningful allocation.
• Compounding works its real magic after years of patience—15 years is just the beginning.
• Above all, we follow the same principles we recommend to our clients.

Our Head Office is located in Katni.

In addition, we have a branch in Chennai to stay close to our clients and provide personalized support.

No matter where you are in India—or anywhere in the world—we stay connected through Zoom, phone calls, and virtual reviews. Distance has never been a barrier to helping you manage your investments efficiently.

We don’t deal in individual stocks.

Our focus is on long-term growth through Mutual Funds and Managed Portfolios—a method we’ve successfully followed ourselves.

Over the years, our family has grown our wealth using this approach, achieving around 15–18% annualized returns by staying disciplined, diversified, and focused on long-term goals.

We believe in keeping investing straightforward and aligned with your objectives, rather than chasing quick stock tips.

We don’t offer one-time portfolio reviews unless you’re an existing client.

That’s because piecemeal reviews often don’t provide meaningful insights.

Investing is a goal-based, ongoing journey—not a one-off task.

It’s not just about looking at what you own, but understanding why it’s part of your plan, how it supports your goals, and whether you’re on track.

We partner with clients who want to walk the full path, not just make a quick stop.

Returns depend on you and your approach to investing.

While we structure every client’s portfolio around their individual risk and goals, the outcomes are influenced by how consistently the plan is followed.

Over the long term, disciplined investors with us have historically seen around 10%–15% annualized returns over a 10-year horizon.

That said, past performance doesn’t guarantee future results.

Our focus is on long-term, goal-driven investing—helping you stay on track rather than chasing short-term numbers.

Your money is completely safe in terms of process and platform.

At FideloWealth, we do not hold or handle your money directly, nor are your investments held in our name.

All mutual fund investments are made in your name, and the money flows directly from your bank account to NSE (National Stock Exchange) or MFU (Mutual Fund Utility)—two of the largest and most secure mutual fund platforms in India.

We do not collect or deposit funds on your behalf.

Every financial or non-financial transaction requires your explicit approval via email or mobile OTP.

While we can initiate transactions on your request, the final control always stays with you.

Your investments are subject to market risks—market volatility can affect the value of your investments, but with mutual funds being diversified and tightly regulated, the risk of losing everything is extremely low.

In the past 15 years, we’ve never encountered a single case of fraud.

Thanks to strict regulation by SEBI and AMFI, mutual fund investments remain one of the safest options in the Indian financial system.

No, a demat account is not required to invest in mutual funds through FideloWealth.

In most cases, the process is entirely online and takes 1–5 working days, depending on your KYC status.

Here’s how it works:

• We assist you in opening your investment account digitally.
• A One-Time Bank Mandate (OTBM) is set up for your account.
• Once completed, you can start investing immediately—whether it’s lumpsum, SIPs, or redemptions, everything is just a click away.
   

The entire process is seamless, secure, and paperless, designed to make your investing experience simple and hassle-free.

Our aim is to be your partner for the long term, but if you ever decide to move on, you are completely free to do so—no questions asked.

We never hold your assets—your mutual fund investments are always in your name. You can:

• Switch to another distributor
• Manage your investments independently
• Redeem your funds on your own
   

We typically don’t recommend lock-in funds, so your portfolio remains fully liquid and always under your control.

Even in the very unlikely event that FideloWealth ceases operations, your investments remain safe. They stay with the respective AMCs (mutual fund companies), regulated by SEBI and AMFI, and are unaffected by the status of any distributor.

At FideloWealth, we have a dedicated team to support you across all your financial needs.

You’ll be assigned a Personal Finance Professional who will be your primary point of contact. Our leadership team is also actively involved, directly or indirectly, to ensure high standards and oversight throughout your journey.

To keep communication seamless and responsive, we create a dedicated WhatsApp group for each investor—so you’re always connected with the FideloWealth team.

We’re a boutique personal finance firm, fully invested in the outcomes of our clients.

Unlike large institutions, we don’t operate on sales targets or short-term incentives. Our focus is solely on your long-term financial growth and security.

At FideloWealth, we believe that thoughtful, perceptive support comes from someone who truly understands and cares about your family—not just your finances.

We’re committed for the long term and accountable to you for years to come. As we like to say: we either grow together or face challenges together.

Our value comes from helping you define clear financial goals, creating a goal-based plan, and supporting it with the right asset allocation.

Experience shows that roughly 90% of long-term investment outcomes come from goal clarity, asset allocation, and diversification—not from picking individual funds or timing the market.

Even more importantly, our biggest contribution is helping you avoid costly mistakes—errors that could set you back years. By providing consistent guidance, we aim to bring lasting financial peace to you and your family.

Let’s put this into perspective: high-quality guidance may cost around 1% per year of your portfolio.

If a trusted personal finance professional helps you:

• Earn more than that over time,
• Avoid mistakes that could cost much more, or
• Save you time, stress, and decision fatigue,

Then that 1% isn’t a cost—it’s an investment in your future.

We follow the same principles with our own family’s wealth, and that gives us confidence that earning ~1% p.a. (including GST) through the Regular Plan is fair and justified.
Professional guidance has a price—but without it, the cost of mistakes can be far higher.

If you already hold Regular Plans with another distributor and are looking for a change, there’s no need to redeem or sell your investments.

With your consent, we can transfer your portfolio under our ARN code, which allows you to:

• Keep all your existing holdings intact
• Have your portfolio tracked and reviewed by us
• Receive goal-based support and service from the FideloWealth team
   

Once your portfolio appears on our dashboard, we can assist with consolidation, suitability checks, and suggested improvements if needed.

At FideloWealth, our research is guided by clarity, context, and conviction—not by market noise.

We focus on the big picture and what drives long-term outcomes. Our strength lies in identifying the right asset classes and investment themes at different points in time.

We often explore contrarian opportunities—funds, sectors, or factors that may be temporarily out of favour but show strong long-term potential.

Our learning is continuous: we engage with fund managers, industry peers, our own team, and a wide range of reading to refine our thinking.

We avoid micro-level or day-to-day market tracking, as it rarely adds value for long-term wealth creation. Our aim is not to react to short-term fluctuations, but to stay disciplined and ahead through thoughtful planning.

At FideloWealth, we manage your money the same way we manage our own—with care, conviction, and full alignment of interests.

We invest alongside you in the same types of investments where we’ve placed our own savings.

We focus on simple, effective strategies—no fancy products, just choices we truly believe in. Our approach is grounded in the fundamentals of long-term investing.

Our priority is helping you achieve your financial goals, not chasing short-term market gains.

Outperformance can tempt poor decisions; instead, we emphasize discipline and patience—buy well, hold steady.

We aim to harness the real power of compounding by staying invested through market highs and lows.

In short, we practice what we preach and walk the journey with you every step of the way.

We are an AMFI-registered Mutual Fund Distributor (ARN-54522) (ARN-189967).

Our earnings come from commissions paid by mutual fund companies when client investments are made in regular plans. On average, this is around 0.8% to 1% per annum (including GST) across equity, hybrid, and debt funds, for as long as the investments remain.

We may also earn commissions from other financial products if you choose to invest through us, and we always disclose this information upfront. Commissions never influence our fund recommendations.

We typically invest our own family’s money in the same funds we recommend (subject to suitability), ensuring full alignment of interest.

We believe in complete transparency. You can always:

• Request a summary of our earnings across fund categories
• Ask your Wealth / Relationship Manager for scheme-level commission details
• View the Total Expense Ratio (TER) of each fund on your investment dashboard
   

At FideloWealth, our goal is simple: to grow with you—fairly, honestly, and transparently.

In wealth creation, more activity doesn’t always mean better results.

We don’t believe in monthly or quarterly reviews just for the sake of it—an annual review is sufficient in most cases.

You should reach out to us when:

• You plan to invest additional funds
• You need to withdraw or redeem money
• There’s a change in your personal circumstances that may require updates to your goal-based plan
   

We’ll contact you regarding market movements only if there’s something truly significant to act upon—and such occasions are rare.

As Warren Buffett says:

“We don’t get paid for activity, we get paid for being right. As to how long we’ll wait, we’ll wait indefinitely.”

Whenever you do get in touch, our team is prompt, accessible, and committed to supporting you at every step.

Every mutual fund scheme offers two options: Direct Plan and Regular Plan.

Direct Plan:
When you invest via a Direct Plan, your money goes straight to the Asset Management Company (AMC) with no intermediaries and no commission. This results in a lower expense ratio, but you are fully responsible for all investment decisions. If you prefer guidance, you can hire a SEBI-registered Investment Advisor (RIA) separately and pay a fee for their services.

Regular Plan:
In a Regular Plan, you invest through an AMFI-registered Mutual Fund Distributor like FideloWealth, who provides personalized, goal-based planning and ongoing support. 

A good distributor acts as a Personal Finance Coach for your family, helping you:

• Align investments with life goals such as children’s education, retirement, and financial freedom
• Choose funds suitable for your risk profile and return expectations
• Stay disciplined through market ups and downs
• Understand key concepts like asset allocation, compounding, insurance, and estate planning
   

The expense ratio is slightly higher in a Regular Plan because a portion is paid as commission to the distributor for these ongoing services.

This difference reflects the added guidance, planning, and support you receive in a Regular Plan compared to managing everything independently in a Direct Plan.

At FideloWealth, we believe long-term wealth creation isn’t about picking the “best” fund—fund selection typically accounts for only a small portion of portfolio success.

What really drives outcomes is:

• The right asset allocation based on your goals and risk profile
• Regular rebalancing to keep your portfolio on track
• Focusing on the overall performance of your portfolio, not individual funds
   

Our role is to help you build a disciplined, goal-oriented investment strategy—rather than chasing short-term top performers that may change from year to year.

No, we don’t invest client money in Direct Plans.

As an AMFI-registered Mutual Fund Distributor, we operate through Regular Plans, where our earnings come from trail commissions for the services, guidance, and long-term support we provide.

Our focus is on goal-based planning, fund suitability, and long-term portfolio management—clients are never charged separately.

If you prefer Direct Plans, this generally involves self-directed investing or working with a SEBI-registered Investment Advisor who charges a separate fee.