Money, made boring
on purpose.
FinSet is an India-focused mutual-fund distributor that puts the order before the product. Protection comes before returns. Discipline beats intelligence. And we’ll tell you, out loud, when a product isn’t worth buying.
Guidance is free. No flat fee. No pushy calls. Income is honest — trail commissions on mutual funds and insurance. That’s it.
Four ideas we won’t compromise on.
Protection before returns
A 20% return on an un-insured life is a bad trade. Cover first, compound second.
Discipline beats intelligence
A boring SIP kept for 25 years will outpace most “clever” portfolios.
Equity is essential
For 10-year+ goals, nothing else keeps up with inflation in India.
Bad products get named
ULIPs, endowment, NFO hype, thematic funds, PMS, AIFs. We’ll tell you why.
Non-negotiable. In this exact order.
No step may be skipped or reversed. We’ll say this often, because the whole financial-services industry works hard to make you forget it.
Emergency fund
6 months of expenses, in a liquid fund. Set up on purpose, not by accident.
Step 1Health insurance
Own floater for every dependent. Your employer policy is a bonus, not a substitute.
Step 2Term life cover
Pure term. 15–20× annual income. No endowment. No ULIP.
Step 3Insure major assets
Vehicle, home, big equipment. Practical, not emotional.
Step 4SIP for retirement
Equity-heavy when young. Proper asset allocation as you age.
Step 5SIPs for goals
One SIP per goal. Child’s school, house, sabbatical. All named.
Step 6Things FinSet will never do.
If you came looking for a shortcut, this isn’t the place. We’d rather lose the sale than earn a bad one.
- Speculation, trading, “quick returns”
- ULIPs and endowment policies
- NFO hype and thematic funds
- PMS and AIFs for mass-market investors
- Return guarantees of any kind
- Sugar-coating a bad financial habit