Market Perspective
Mumbai real estate vs equity mutual funds — a 20-year view
What the actual numbers say when you compare a flat in Mumbai with a disciplined equity portfolio over two decades — including the costs nobody counts.
HomeResources
Learn the way we work: plainly.
Articles, guides and answers — written to make you a sharper investor, whether or not you ever work with us.
Insights
Latest from the practice
NRI Investing
Understanding GIFT City IFSC for NRI investors
India’s international financial centre, explained without jargon: who it is for, what it enables, and when it is not worth the complexity.
Retirement
Retirement planning fundamentals: where to actually start
Before products and funds: the four numbers every retirement plan is built on, and how to estimate yours in an evening.
Guides & Downloads
The Retirement Readiness Guide
A practitioner’s guide to the four numbers your retirement depends on — drawn from the founder’s book on retirement planning. Request a copy at your first consultation, or write to us.
Request the GuideInside the guide
- 01Your real expense number
What you actually spend — and what survives into retirement.
- 02The inflation multiple
Why ₹1 lakh of lifestyle needs ₹3.2 lakh in 20 years.
- 03The corpus formula
Turning a monthly income need into a target number.
- 04The withdrawal design
Making the corpus pay you — without running dry.
Video Library
Short explainers, coming soon.
We are producing a series of plain-language videos on SIPs, retirement income and NRI investing. Until then, the calculators are a good way to learn by doing.
Open the CalculatorsFAQs
Straight answers to common questions
They use standard, industry-accepted formulas (annuity-due SIP maths, real-return retirement corpus, amortised EMI). They are illustrations built on your assumptions — not guarantees of return.
Direct plans are bought straight from the fund house and do not include distributor commission, so their expense ratio is lower. Regular plans are bought through a distributor such as JP Financial and include distributor commission, which pays for our services such as execution support and annual reviews. Both are valid choices, and you are free to choose either. Our commission details are set out in our Mutual Fund Distributor Disclosure.
JP Financial is an AMFI-registered Mutual Fund Distributor with ARN-51406. JP Financial is not a SEBI-registered Investment Adviser. Our services are focused on mutual fund distribution and investor support.
Yes — portfolio reviews are how many client relationships begin. Bring your consolidated statement; we will review overlap, risk and cost honestly, even if the conclusion is that nothing needs to change.
Use the booking form on the contact page, or message us on WhatsApp. First conversations are free, unhurried, and carry no obligation.
Prefer answers specific to you?
Bring your questions to a free first conversation — no preparation needed.
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