General Query

Who can attend these workshops?

The workshop is designed keeping in mind the working people, businessmen, homemakers, women, defence personnel, etc. except for kids and teens below 19 years of age. We have a workshop designed exclusively for kids, which we conduct mainly in association with the education institutions.

I don’t have any prior knowledge or experience in personal finance? Is the workshop suitable for beginners?

We believe it’s quite important to get the basic right. Hence in our workshops the topic we cover starts from basic. No prerequisite knowledge is required. The program is conducted in simple language and you will learn and enjoy the whole program, as there will be group activities and interesting conversations with the workshop participants.

I have a basic understanding of investments and I am investing for while now in financial products. Why should I attend the workshop?

Our workshop is an interactive session, where we will cover the basics of financial planning and investment in an interesting way. If you are already invested in the market then the workshop will help you further understand that are you following the best practice or not. You will have a lot of learning and take away from the program to have a bright financial future.

Should I attend the workshop with my family? If yes, what are the benefits?

Money management is a basic concern for all the families and you and your spouse, parents, etc. must be on the same page as far as the financial future is in question. Financial mismanagement can lead to stress and fight in the families.

When you spend a day together in the workshop you can have some serious conversation at home about money, since you hear the same thing at the workshop. It also helps you kick start the conversation at the same level of understanding and develops an interest in personal finance space which is very important for healthy financial future and help you learn thing and expand your knowledge horizon which can get difficult given our busy schedule.

Is Marketgoogly associated with any bank, AMC, etc. as an agent? If yes, will there be any sales discussions during the workshop?

We are not associated with any bank, asset management companies, insurance companies, etc. as an agent. Our workshop has no elements of sales and we are not going to sell any financial product. Our workshop is a knowledge-sharing program designed to spread financial awareness and help individuals make better financial decisions for their future.

However, we do share what our company has to offer for a few minutes towards the end of our program and participants may choose to ignore the information if they wish.

Where can I register for the seat and buy the ticket for the workshop?

Please visit our workshop page on our website, you will find the link for our latest workshop.

Can I book the tickets on the spot?

Sorry, we don’t sell tickets on spot. Our workshop is planned and arrangements are made in well in advance to avoid any inconvenience to our participants during the workshop. Usually, our seats are registered in full before the scheduled date of the workshop and unless you have a confirmed seat, you won’t be allowed to attend.

Will there be any cancellation charges once I book the tickets?

Sorry, it may sound bad but the ticket booked once is non - refundable. However, you can transfer the ticket to someone else.

Are you going to share any materials from the workshop for future reference?

Sorry, we don’t share any material for future reference.

General Query

Are you registered?

Yes, we are a SEBI registered investment adviser with registration number. We are also registered with the government of India under the MSME sector.

Why should I hire a financial planner to manage my money?

As a financial planner, we will be able to connect all your financial dots to provide you with a comprehensive plan to meet your financial goals for a sound financial future. We have requisite training and experience in all kinds of financial product. Based on your risk profiling and analyzing your financial aspects, we will make the right recommendations for you.

We have come across people who think that financial planning is all about managing mutual fund investment, insurance, way to save taxes, etc. but that’s not true, financial planning helps you to be more self-aware of your financial situation and future and helps you live a disciplined financial life and ensure you have the money when you need it without altering your existing lifestyle.

What is the ideal stage in life one should start financial planning?

No, there is no right life stage where one should start with financial planning. It’s never too late or too early to do the right thing. So start financial planning today.

I have never worked with a financial planner before, how do we start?

Financial planner works under the process as specified by the financial planning board of India. We start by establishing a planner and client relationship and give you ample time so you can be comfortable with the planning process and discuss your goals and objective and other financial constraints. Once both Client and planner mutually agree to work together, we sign a written agreement as per regulatory requirement to proceed with the financial planning process and planner writes a financial plan for you based on your risk profiling and analyzing your financial state, discussing your goal and objective and make recommendations accordingly.

What is a financial plan? Is financial planning over once the plan is written and shared with the client?

A financial plan is an in-depth written document created by the planner after analyzing the financial position, goal and objectives, risk profiling of the client. Financial Plan help client to ascertain their financial life and guide them to achieve their financial goals. As clients experience life-changing events, economic changes, etc. it requires planners to make necessary changes in the plan as part of the ongoing monitoring and review process.

The fee you charge for the financial plan doesn’t appear worth to me?

Financial planning is a long-term relationship and planner invests a lot of time and energy for creating value for the client. Every client is unique and hence their risk profile, lifestyle, goals, objective, financial constraints, etc. Hence it require significant commitment of time and thought to create a unique plan for each individual. You may copy other people plan but you won’t be able to bring in the value, which is a financial planner’s job.

Can I do my financial planning?

Some investors may feel that they understand the financial products better and can do financial planning themselves. They may also rely on some personal finance magazines; software or books etc. that can help them do their planning. However, it’s always recommended to use professional advice like one seeks doctor advice if you are not well rather than taking the medication themselves.

Understand, financial planning is long term process which involves having an understanding of different avenues like investment planning, tax planning, rebalancing of asset, cash flows, etc. and require review of internal factor, external factors, and life-changing events impact on your plan, if you have enough time and expertise then you can surely do your financial planning.

I have stable earning, saving, and a decent investment. Do you think I need any financial planning?

It’s good to have a stable earning and a good net worth, but financial planning is just not restricted to having a decent saving, investment, and net worth. Financial planning is a comprehensive approach and its view in totality your financial state, financial future, ways to meet your financial goal and objective, etc. and avoid surprises during later years of your life. Only a professional planner can help you with this.

Why should I share my personal details with the financial planner?

If you don’t trust your advocate and don’t reveal the truth, you know chances of winning are less as you are hiding the truth. Similarly, you should trust your planner completely as confidentiality is prime for a planner and share your correct financial data with your income, expense, asset and liabilities, etc. so a planner can evaluate your financial life and come up with the correct financial plan.

Unless you share the correct data the recommendation shared as part of the financial plan like tax saving product based on your income, insurance coverage requirement, asset class you should invest in, etc. will be based on tweaked data and of no use.

Once my financial planning process is completed, can I contact you for any query?

Once a financial plan is written for you, you may or not choose to implement it through the planner. It’s right of the client to decide not to go any further. If you decide to go ahead, your planner will discuss the next steps and implement your plan. Understand planning is an ongoing process and long term relationship between client and planner, any changes in goal and life stages require the planner to review the plan unless one may choose to end the relationship with the existing planner.

What if I don’t need comprehensive planning but need advice on my investment portfolio or insurance policies or tax-saving products

Yes, you can avail of our other services. We provide services to meet the specific need of our clients who are seeking advice on investment planning, tax planning, insurance planning, etc.

What is the source of communication and mode of delivery of the plan with your clients?

We mainly provide and deliver services online and our main source of communication is either through phone, video chat like Skype, emails, and through our website.

Is my data secure?

We operate in a highly secure environment and all our clients’ data are highly secured. No one except your assigned planner can access your financial data.

Advising & Services Query

Do you advise on financial products except Mutual funds?

Yes, we do advise on other financial products available in the market. We advise as per your risk profile and your financial state and ensure proper asset allocation. We will discuss the different asset classes be it equity, debt, real estate, and gold, and also advice you on products suitable for your profile within the asset class to achieve diversification.

Do you advice on equity?

We advise on equity mainly through equity-oriented mutual funds and basket of direct equity created exclusively for you. Based on the risk profile, we will allocate the investment across asset class.

Do you advice on estate planning?

We don’t cover Estate planning as part of the financial planning process.

Do you advise on real estate?

We advise on real estate only when our client has home buying goals. We analyze the finances and make recommendations accordingly.

Do you advise on trading derivatives?

No, derivative is out of scope as it trading and not investment.

Do you provide Tax services like ITR filing, GST filing as part of the Tax planning process?

Tax services are separate activities and don’t come under the purview of the tax planning process.

How frequently do you monitor the portfolio?

We review your portfolio semi-annually and annually depending upon the agreement as financial planning is prepared keeping in mind your future. However if the client desires we may review certain parts of the plan quarterly too. We also help in rebalancing the portfolio based on life-changing events like marriage, children or inheritance of wealth, etc.

Do you provide 24/7 customer support services?

Sorry, we don’t provide 24/7 customer support services at present. Our working hours are from 10 am to 6 Pm except Saturday and Sunday. During non-working hours you may contact us through email and we will try to revert at earliest.

Fee & Investment Query

Do you charge any fee for the initial meeting and discussion?

No, there is no fee for an initial meeting. We look forward to discussing your goals and aspirations and give basic advice.

What is the minimum amount of investment?

There is no minimum amount of investment, as we firmly believe everyone has the right to invest and attain financial freedom irrespective of the ability to invest. Also, Disciplined saving and spending will certainly help you with better investment in the future. Financial planning will help you with everything.

Are there any guaranteed returns and will I be able to achieve all my goals by hiring your services?

No doctor guarantees that the patient will get cured based on their treatment. Similarly, we too don’t offer any guaranteed returns. We advise based on your risk profiling and current financial state and offer the best of advice that suits your requirement. Financial planning is a life long process, there are certain events beyond our control such as economic policies that will affect the financial planning results.

If I don’t implement the advice through you, will the renewal fee be waived off?

We would recommend you to implement the advice on our platform because it makes it easy for the platform to monitor and track your investments. If you don’t wish to continue, the renewal fee will be waived off.

Can I discontinue the services of your portal, what is the process?

It would be unfortunate for us that we will not be part of your financial journey. However, if the reason you choose to discontinue is because you are unhappy with our services, we would like to understand the reason as we aim to continuously improve ourselves and will close your account and send a confirmation email to your registered email id. You will not be charged anything for closure of the account.

Do you earn any commission or brokerage on your advice to the client?

We are a fee-only planner and we don’t earn any commission or brokerage for any advice. Our only source of revenue is from our clients in the form of fees we charge for our services. However, we do have fee-based model also, if the client doesn’t wish to implement the plan through us as its optional, we help them with plan implementation by referring him/her to some other suitable adviser.

General Query

What is a Marketgoogly Equity advisory service?

Our equity analyst proactively researches the most performing stocks and create an intelligent basket of stocks that reflects an idea popularly known as Marketgoogly Small cases, which are managed by our equity analyst that helps you make informed decisions to build a healthy equity portfolio.

What is a Marketgoogly small case and who can buy this?

A Marketgoogly small case is a basket of stocks/ETFs in a specified weighting scheme that reflects a certain objective, ideas, themes, or strategies, backed by the research team of Marketgoogly. Marketgoogly small cases can be bought by any individual who wants to invest in the equity market by making more informed decisions and invest in an intelligent basket of equity. You can also request access for an exclusive small case by filling up the request invite form on the small case profile.

Where can I buy Marketgoogly small case?

You can buy small cases on any of the partner brokers. Select a small case, select your broker and invest in less than 2 clicks. Our current partner brokers are: Zerodha, Axis Direct, Edelweiss, HDFC Securities, Kotak Securities, 5 Paisa, and more. If you don’t have a DP account, we will guide redirect you to service providers for further assistance.

What are the benefits of a small case?

  • You can view Marketgoogly small cases with all historical performance, CAGR, daily change values, related news & can invest in small cases with your existing broker & Demat account in a click.
  • We believe in transparency and informed decision and hence, we also display logics behind our stock picks
  • Investing in multiple stocks protects you against volatility in a specific stock. With ETFs, you can also diversify your investment between different asset classes
  • Stay in control of your investment. Invest without lock-in & earn dividends directly in your bank account
  • You will receive a regular update to rebalance your portfolio, as we believe balancing your money is key to make sure your money is always in the right place.
  • ETFs, that constitute the small cases, are simple to understand, have low expense ratios and are liquid
  • Zero management fees

How do I track my investments?

When you buy a small case, the index value is set to 100 on the buy day - this helps you track the total returns without having to monitor each stock. You can also use the performance metrics to get a more detailed understanding of your small cases and view your investments in the dashboard.

Are there lock-in periods?

There are no lock-in periods, so you may sell your small cases anytime. As a concept, however, small cases work best when used for long-term investing.

Do you charge any advising fee?

Yes. You may check the advisory fee on our services page.

Are there any guaranteed returns?

No doctor guarantees that the patient will get cured based on their treatment. Similarly, we too don’t offer any guaranteed returns. We advise based on your risk profiling and current financial state and offer the best of advise that suits your requirement We value our client money and advise based on extensive research and analysis. However, all investments are subject to market risk and actual returns might not in line with the expected returns due to market risk.