Mutual Funds & SIP Advisory
Mutual fund and SIP advice — goal-based fund selection, portfolio overlap and cost checks, direct vs regular plans and reviews.
- Estimate Cost
- ₹3,000 – ₹25,000
- Typical duration
- 5 days
Service overview
- Mutual Funds & SIP Advisory structures goal-driven mutual fund portfolios through Systematic Investment Plans (SIPs) and disciplined lump-sum allocations
- WCP professionals eliminate fund overlap, select top-performing fund managers, and optimize exit strategies to ensure steady wealth creation with minimal downside volatility
Who needs it? / When is it needed?
- First-Time & Salaried Investors: Individuals looking to start disciplined, long-term wealth creation from monthly savings.
- Investors with Redundant Funds: Anyone holding 10+ mutual funds with overlapping stock holdings and high expense ratios
- Goal-Focused Planners: Investors building funds for specific targets like retirement, child education, or home buying
What to expect from the WCP Professionals
- Diagnose Fund Holdings: WCP professionals analyze your existing mutual fund portfolio for scheme performance, category allocation, and stock overlap.
- Audit Manager Performance & Expense Ratios: WCP professionals evaluate fund manager track records, expense ratios (Direct vs. Regular), and downside protection metrics (Sharpe/Sortino ratios).
- Execute Goal-Indexed SIP Strategy: WCP professionals map customized mutual fund baskets (Large Cap, Flexi Cap, Mid/Small Cap, Debt) directly to specific time horizons and risk levels.
- Fix Execution & SIP Automation: WCP professionals set up automated SIP mandates, systematic transfer plans (STPs), and reallocate capital away from underperforming funds.
- Review & Rebalance: WCP professionals monitor fund performance quarterly, recommending scheme switches or allocation adjustments when fund fundamentals change.
- Final Delivery: You receive a streamlined Mutual Fund Strategy Report and access to an online tracking dashboard.
Key deliverables
- Mutual Fund Portfolio Diagnostic & Stock Overlap Report.
- Goal-Indexed SIP & Lump-Sum Allocation Plan.
- Automated SIP Setup & Fund Migration Execution.
- Quarterly Performance & Valuation Statements.
Standard turnaround time
- Portfolio Diagnostic: 2 to 3 working days.
- SIP Allocation & Mandate Setup: 3 to 5 working days.
Government fees, timelines & key outcomes
- Government Fees: Stamp duty (0.005%) on mutual fund purchases as per statutory rules.
- Statutory Timelines: SIP mandates activated within 7 to 10 working days.
- Key Outcomes: Optimized fund portfolio (no stock overlap), lower expense burden, and disciplined goal progression.
Forms & filings involved
- Mutual Fund KYC Application & NACH
- Auto-Debit Mandate Forms.
- Nomination and Bank Account Mapping Forms.
Documents required
- PAN Card and Aadhaar Card.
- Bank account details with NACH mandate capability.
- Existing Mutual Fund Folio
- CAS Statements.
What we need from you
- Target monthly investment capacity and liquidity requirements.
- Authorization for digital KYC verification and fund consolidation.
Important conditions
- Mutual fund investments carry market risk; fund selections are subject to ongoing performance reviews.
- Capital gains taxes apply upon scheme redemption as per current tax laws.
Additional information
Mutual fund distributors must hold an AMFI Registration Number (ARN), while fee-based advice is regulated by SEBI; direct plans carry lower expense ratios because no distributor commission is paid.
Capital gains on mutual funds are taxed under the current rules for equity and debt funds, which are checked at the time of redemption.
The estimated cost covers indicative professional fees only. Government fees, stamp duty and taxes are payable at actuals.
How it works
- 1. Raise a service enquiry describing your requirement.
- 2. A Relationship Manager reviews it and opens it for bidding.
- 3. Pay into escrow and assign the professional you select.
- 4. Track progress to completion, then accept and release payment.
Frequently asked questions
What is an SIP?
A Systematic Investment Plan invests a fixed amount in a mutual fund at regular intervals, averaging the purchase cost over time.
Direct or regular plan?
Direct plans have lower expense ratios; regular plans include distributor commission but come with distributor service.
Is there stamp duty on mutual fund purchases?
Yes, 0.005% on purchases and SIP instalments.
How many funds should I hold?
Usually a handful covering different categories is enough; too many funds create overlap.