How we work
The boring version, which is the one that works.
There is no proprietary method here and no model portfolio. There is a written plan, a small number of schemes chosen for stated reasons, and a review schedule we actually keep.
The engagement
Four steps, in this order, every time.
- 0145 minutes
A conversation, not a pitch
We map income, EMIs, dependants and what you are actually anxious about. No product is named in this meeting.
- 025 working days
A written plan
Goals with dates and rupee amounts, a monthly investment figure, and the specific schemes with the reason each was chosen.
- 032 working days
Execution and paperwork
KYC, folio creation and mandate registration through the registered transaction platform. You sign once; the SIPs start on the date you pick.
- 04Every 6 months
Reviews that change something
Rebalance if allocation has drifted past the band we agreed, step up SIPs after a raise, and leave the rest alone.
What we hold to
Horizon decides the portfolio, not the product of the month
Money needed in three years and money needed in twenty-five belong in different places. We set the equity share from the date on the goal and step it down on a written schedule as the date approaches — not when it feels right.
The plan is a document you keep
Goals, dates, rupee amounts, the monthly investment, the specific schemes and the reason each one was chosen. If you cannot explain your portfolio to your spouse from that document, we have written it badly.
Fewer schemes than you expect
Most households need four to six funds. Portfolios with fifteen schemes are not diversified, they are a record of every recommendation someone ever made. We consolidate rather than accumulate.
Reviews that change something or change nothing, deliberately
Twice a year we check whether every instalment went through, whether allocation has drifted past the band we agreed, and whether anything in your life has changed. Most reviews end in no transaction. That is the correct outcome more often than not.
We tell you what we earn
We are paid a trail commission by the asset management company, disclosed in the plan. We do not charge you a fee. Where a direct plan would genuinely serve you better, we will say so.
Insurance is not an investment
Term cover and a health floater, sized to your liabilities and dependants. Insurance is distributed under a separate registration and is protection, not an investment — we will not present it as one.
What we are not
A distributor, not an adviser.
Rasbihari Sarkar is an AMFI-registered mutual fund distributor (ARN-160311). We are not registered with SEBI as an Investment Adviser, and the distinction is a legal one worth understanding.
A registered investment adviser charges you a fee and owes you a fiduciary duty. A distributor is paid by the asset management company and must recommend suitable schemes, but is not held to that same fiduciary standard.
We tell you this on the first call, in the plan document, and here. If you would prefer a fee-only adviser, we will say so and we can suggest where to look.
Full disclosures