Your Questions, Answered

Currently, ₹ 15,000/- which includes half-yealy plan review and support for 12 months based on SEBI’s guidelines for RIA’s

Currently, ₹ 7,500/- which includes 2 half-yearly plan review and support for 12 months. But if there is a long gap then we renew on case to case basis.

We keep our fees affordable to serve a larger section of society with value-for-money pricing. This approach also incentivizes us to control costs while maintaining exceptional service quality.

Yes, you can renew your engagement after a gap. However, support cannot be provided during the inactive period. For longer gaps, renewal is evaluated on a case-by-case basis.

Voluntary. However, we recommend reviewing your plan regularly to stay on track with your financial goals.

We believe in offering transparent and fair pricing for everyone, so we do not offer discounts.

As Charles Portis wisely said, “You must pay for everything in this world one way or another. There is nothing free except the Grace of God.” When it comes to financial advice, you either pay with money for professional expertise or with time and effort to navigate it yourself. By paying for a trusted service, you save time, avoid costly mistakes, and gain tailored guidance that free resources simply can’t provide.

Absolutely! I’m a DIY (Do It Yourself) investor myself. However, if you’d like a second opinion or expert guidance, our services are always available to assist you.

The fee is per couple, which includes dependent children and parents. However, if you prefer to work separately from your spouse or partner, there will be two separate fees.

Yes, our annual fee is indeed that low. We do not charge referral fees, assets under management fees, commissions, or any other hidden costs.

Your advisor will be a SEBI-registered Investment Adviser.

English and Hindi.

Due to SEBI regulations requiring us to maintain a record of all discussions, we prefer online meetings or telephonic conversations, as these allow us to record the conversation for compliance purposes.

We offer communication via email, phone, WhatsApp, and video conferencing. However, we provide investment advice exclusively through email or video conferencing.

No, we do not endorse any specific platform.

No, we don’t provide tax filing services, but we offer tax planning advice as part of our financial plan.

We are an online-only advisory, serving clients globally, regardless of location.

Click here to simply book a meeting with us by, and we'll guide you through the next steps.

We're not the right match for clients who require frequent in-person meetings, seek complex investments like alternatives, cryptocurrencies, or PMS, or expect only high returns. Our focus is on long-term financial planning and value-based solutions, not speculative or greedy approaches.

No, please send documents only when specifically requested for review. Additionally, we do not accept spreadsheet l files for review unless explicitly asked.

We respect our clients' privacy, so we don't facilitate direct conversations. However, many of our clients are happy to refer us, and you can click here to read their testimonials.

There is no limit to how often you can contact us during the year. However, we ask that you use this access thoughtfully. Our success depends on clients respecting our business model and time. Please avoid frequent inquiries such as asking why the stock market is moving up or down, or seeking advice on every new product that enters the market.

It typically takes 2 weeks to share your financial plan, provided you promptly supply the necessary information during the creation process.

No, we do not provide direct equity or stock advice. However, based on your risk profile, we offer recommendations on equity mutual funds.

No, we do not provide real estate advice, unless it is required for personal consumption or portfolio diversification.

No, we do not typically advise on gold or other commodities, unless they are needed for personal consumption or portfolio diversification.

No, but we can suggest options after thorough research, considering your risk profile and financial goals.

During the first year, we assess your risk profile and financial situation, deliver and discuss a tailored financial plan, and provide ongoing support throughout the engagement.

Yes, we include direct product links within the plan for your convenience.

Yes, we review your existing portfolio thoroughly and provide tailored advice based on your financial goals and preferences.

We review your portfolio and recommend asset rebalancing, if necessary. Additionally, we provide ongoing support throughout the year.

Newton’s Law of Inertia states: ‘An object at rest stays at rest unless acted upon by an external force.’ If your finances feel stuck, it’s time to overcome inertia. Take the first step— click here to book a meeting with us today.

Yes, if they intend to use their savings toward your financial goals. Otherwise, no, as their risk profile may differ from yours.

Financial planning evolves with your changing life circumstances. You can consult us anytime during an active engagement for tailored advice.

If you need assistance with implementing the recommendations, we’re here to help. Additionally, we will review the plan after six months to ensure progress and check whether the recommendations have been implemented effectively.

No, you are free to invest in any instruments of your choice. We provide investment advice tailored to your goals, but the final decision on where to invest is entirely yours.

Choose SahajMoney® for transparent, commission-free, tailored investment advice, ensuring your financial success at a flat fee.

While our founder, an IIM Bangalore alumnus, has been a SEBI-registered investment advisor since 2017, SahajMoney® exists since 2005. Read our story by clicking here:

Barring Antarctica we have a clients on all continents. Some colour on our client base : a) Nearly 1 in 3 clients is an NRI (including Seafarer). b) 1 out of 2 clients are between 20 to 30 years of age. c) Almost 40% of clients are female. d) 1 out of 2 clients are couples. e) 1 out of 4 clients are either PSUs or Govt. employees. f) 1 out of 5 clients are self employed or an entrepreneur. g) 25% of clients are either a retiree or about to retire.

1. Commission-free MF suggestion which saves 1%* or more year after year. 2. Honest recommendations. 3. Tailored advice. * Commission on regular equity mutual fund or traditional insurance plans.

Check out what our clients say about our service by clicking here : You can also check out our SEBI Disclosure webpage by clicking here :

No, we are not robo-advisors. We provide personalized, human-driven financial advice tailored to your unique needs and goals.