Frequently Asked Questions

We provide comprehensive, milestone-driven financial solutions structured across five core vertical pillars:

• Wealth Management: Mutual Funds, Portfolio Management Services (PMS), Alternative Investment Funds (AIF), SIF, GIFT City offshore investments, Corporate Fixed Deposits, and Bonds.
• Insurance & Risk Hedging: Pure risk term life insurance, comprehensive family health floaters, motor, commercial property, and marine protection.
• Credit & Financing Solutions: Fast-track Home loans, Loan Against Property (LAP), business term debt, and working capital overdraft facilities.
• Goal-Based Life Milestone Planning: Scientific frameworks for retirement readiness, children's premier higher education, marriage corpus, and emergency safety reserves.
• Tax & Estate Advisory: Proactive capital gains tax optimization, legal Will drafting, and NRI wealth advisory with full FEMA compliance.

We advise a diverse spectrum of clients across India and globally, including salaried corporate professionals, MSME entrepreneurs, medical and legal practitioners, retirees, and Non-Resident Indians (NRIs).

We firmly believe in equal attention, not equal portfolios. Rather than catering solely to ultra-wealthy individuals who often prioritize quick trading over disciplined coaching, our sweet spot lies in partnering with middle and emerging affluent families committed to patient, decade-long compounding.

We partner best with individuals and families who:

• Are eager to learn and take thoughtful ownership of their financial destiny.
• Possess a minimum horizon of 5+ years for equity and growth investments.
• Believe in consistency, disciplined asset allocation, and emotional patience as the true drivers of wealth.
• Can ignore short-term market noise, headlines, and unsolicited market tips to stay the course.

Our disciplined approach may not suit investors who:

• Expect overnight windfalls, speculative gains, or day-trading tips.
• Obsessively monitor portfolio valuations daily or weekly and experience panic during regular market corrections.
• Rely on social media forums or casual WhatsApp tips over structured, experience-backed guidance.
• Constantly second-guess agreed asset allocation plans in an attempt to time market highs and lows.

Transparency is foundational to our advisory. Here is what we do not do:

• No short-term market predictions: Markets cannot be accurately timed in the short run; attempting to do so destroys capital.
• No unnecessary portfolio churning: More activity typically results in higher taxes and lower net returns. Over 90% of the time, the wisest action is disciplined inaction.
• No high-commission toxic products: We do not push opaque traditional endowment policies, speculative derivatives, or illiquid lock-in products with hidden charges.
• No sales pressure: Our client relationship operates like that of an ethical physician—we prescribe only what is needed, when it is needed.

Yes, absolutely. While our central corporate office is located in Ghaziabad (Delhi NCR), we advise clients across Mumbai, Bengaluru, Kolkata, Pune, Hyderabad, and tier-2 growth cities, as well as Non-Resident Indians (NRIs) residing in over 20 countries worldwide.

Through encrypted video meetings, digital KYC onboarding, and electronic bank mandates, physical distance is never an obstacle to institutional-grade wealth planning.

With over two decades of capital market stewardship, our guiding principles remain timeless:

• Holding period: Our favored investment horizon for compounding assets is long-term.
• Behavior beats forecasting: Investor behavior and staying invested matters far more than trying to predict macroeconomic headlines.
• Asset allocation: 90% of your lifetime return comes from asset allocation and risk budgeting, not individual stock or fund picking.
• Skin in the game: We invest our personal and family capital using the exact frameworks and asset classes we recommend to clients.

Your capital is 100% safe in terms of process, custody, and platform security.

Track My Funds never directly holds, pools, or touches your money. All transactions are routed directly from your verified bank account to recognized Indian clearing houses (such as the National Stock Exchange - NMF II, BSE StAR MF, or Mutual Fund Utility) directly to the registered mutual fund houses (AMCs).

Every financial transaction requires your personal two-factor authorization (OTP or email confirmation). While we initiate and guide investments on your behalf, absolute control over funds and bank transfers always remains with you.

No, a demat account is completely optional.

Mutual funds can be held in Statement of Account (SOA) format, which eliminates annual demat maintenance fees and custodial charges. Onboarding is 100% digital with paperless e-KYC and One-Time Bank Mandate (OTBM) setup completed within 24–48 hours.

Your investments are legally registered in your personal name with the respective registered Asset Management Companies (HDFC, ICICI, SBI, Nippon, Kotak, Parag Parikh, etc.) and monitored by national registrars (CAMS and KFintech).

Even in the improbable event that Track My Funds ceases business, your investments remain completely secure, liquid, and unaffected. You can redeem units, reassign distributor codes (ARN), or transact directly with the fund houses at any time without our permission.

Each investor is paired with a dedicated Personal Wealth Professional, backed by senior research analysts and founder Ashish Dogra's direct oversight.

You receive continuous digital access through our TickerWealth client dashboard to monitor consolidated portfolio valuations, asset allocation breakdowns, capital gains tax sheets, and dividend flows 24/7. We conduct scheduled periodic portfolio reviews to rebalance and realign with your milestones.

Returns are market-linked and depend on your asset allocation, risk profile, and investment duration. We do not make misleading claims or promise fixed returns.

Historically in India, a disciplined, well-diversified equity mutual fund portfolio held across full market cycles (7 to 10+ years) has generated between 12% to 15% CAGR. Debt and fixed-income assets typically deliver stable post-tax yields of 7% to 9%.

Our priority is maximizing risk-adjusted net returns and preventing destructive panic-selling during temporary bear markets.

Every mutual fund in India is offered in two variants:

• Direct Plans: Investors transact directly with fund houses without an intermediary. The expense ratio is slightly lower (~0.5%–1.0% lower), but the investor assumes 100% of the burden for fund selection, asset allocation, rebalancing, capital gains tax computation, documentation, and emotional decision-making during market crashes.
• Regular Plans: Investors invest through an AMFI-registered distributor who provides institutional financial planning, dedicated relationship managers, portfolio rebalancing, tax optimization, and claims support. The AMC compensates the distributor through an embedded trail fee.

Expert advisory generally accounts for approximately ~1% annually. If an experienced personal finance advisor helps you:

• Prevent impulsive panic-selling during steep market corrections (which commonly costs unguided investors 5%–15% in wealth loss).
• Construct a tax-optimized asset allocation matching exact milestone timelines.
• Save dozens of hours of operational hassle, rebalancing stress, and paperwork.

Then professional guidance easily pays for itself manifold over a decade. Without fiduciary coaching, investors often pay a much heavier price in behavioral mistakes.

No single mutual fund tops performance league tables indefinitely. Studies confirm that individual fund selection contributes only about 5% to overall portfolio success.

Rather than chasing last year's speculative winner, we build resilient, complementary portfolios across large-cap, flexi-cap, mid-cap, value, and debt managers with proven track records across multiple economic cycles.

Yes, definitely. As part of our client onboarding and goal discovery process, we conduct a comprehensive diagnostic audit of your existing investments.

We identify duplicate fund overlap, evaluate underlying stock concentrations, review the adequacy of your term and medical insurance policies, and formulate a step-by-step roadmap to streamline your holdings without unnecessary tax leakage.

If you are dissatisfied with your existing mutual fund distributor, you do not need to redeem or liquidate any of your investments.

With your simple written authorization, your existing mutual fund folios can be seamlessly mapped under our ARN Code (ARN-309245). This transfers servicing and ongoing oversight to Track My Funds with zero capital gains tax and zero exit loads.

Our research framework is built on disciplined quantitative rigor and qualitative judgment:

• Quantitative screening: We evaluate rolling returns across 3, 5, and 7-year windows, Sharpe and Sortino ratios, downside capture ratios, and fund expense consistency.
• Qualitative evaluation: We analyze fund manager tenure, investment mandate adherence, risk control policies, and AMC institutional governance.
• Contrarian opportunities: When quality sectors or asset classes are temporarily out of favor, we identify calculated opportunities for long-term alpha generation.