Consider a client who walks into your office holding a portfolio consisting entirely of small-cap equity funds. While he believes he is diversified because he holds five different schemes, he is actually highly exposed...
A regular client calls you in a panic, having read news reports about a corporate bond default impacting some debt mutual fund portfolios in India. They want to know why a 'safe' looking liquid or income fund would ever...
Consider a client who approaches you with a target of accumulating 50 lakhs for their child's education in ten years. They currently have 20 lakhs in a liquid fund and intend to add to it, but they are focused purely on...
A regular client who has primarily invested in bank fixed deposits approaches you, concerned because his debt mutual fund portfolio is showing a dip in value despite no default by the underlying issuers. He is confused,...
Consider a client who approaches you, eager to move money from a savings account into a debt mutual fund to chase a higher yield. They point toward a scheme offering an attractive exit yield, unaware that the underlying...
Consider a client who approaches you with a significant sum of money, insisting on placing it entirely into a high-yielding corporate bond fund because they fear stock market volatility. If you simply execute the...
Consider a client who walks into your office clutching a passbook, frustrated that their recurring deposit in a public sector bank barely keeps pace with inflation. They want better returns but express a visceral fear of...
Consider a client who approaches you with a specific goal: she needs to park her surplus funds for eighteen months before her daughter’s college fees are due. She finds a Fixed Maturity Plan (FMP) offering a competitive...
A client approaches you seeking higher returns than their current bank deposit, noticing that a corporate debt fund holds papers from private companies offering significantly higher yields than government securities. As...
Picture a client who has invested exclusively in a large-cap equity fund and is now panicked because the Nifty 50 has dropped by 5% following a global geopolitical event. He asks you why his fund is falling despite the...