Getting Started
Process & Documents
Risk & Returns
NRI & Overseas
Fees & Plans
1. Who can invest through Steady Growth?
Any Indian or NRI adult with valid KYC who wants long-term financial stability, personalised guidance, and disciplined investing. I especially work with professionals, business owners, NRIs, and families seeking structured wealth creation.
2. Is there a minimum investment requirement?
No fixed minimum. SIPs may start from ₹500, but I recommend investments aligned to meaningful goals (commonly ₹2,000–₹20,000/month based on profile and ambition).
3. I have never invested before — am I eligible?
Absolutely — beginners are most welcome. My role is to simplify, guide, and support you through every step, without using complex jargon.
4. Do you offer stock tips, trading calls, or guaranteed profits?
No. I strictly follow a disciplined, suitability-based mutual fund approach. No predictions, no stock tips, no “sure-shot” recommendations.
5. Do I need a DEMAT account?
Not required. You may invest and track through NJ Wealth & AMC systems without a Demat account.
6. Can I start with SIP and later add lumpsum?
Yes — many investors begin with SIPs to build habits and add lumpsum when funds are available.
7. Can minors invest?
Yes, investments can be made in a child's name under a parent/guardian until age 18.
8. How long should I invest?
For equity funds: ideally 5–10+ years. Hybrid: 3–5 years. Debt: depends on short-term goals.
9. Will I get portfolio tracking support?
Yes. Tracking, updates, and guidance are provided throughout your investment period.
10. What if I panic during market fall?
You can contact me before taking emotional action — staying invested, not reacting impulsively is the key.
1. What is the complete onboarding process?
Step 1: SIP readiness check & Share details → Step 2: Risk profile → Step 3: Suitable plan → Step 4: Digital KYC → Step 5: SIP execution → Step 6: Review & tracking.
2. What documents are needed?
PAN, Aadhaar, mobile-linked OTP, cancelled cheque, latest photo & signature. NRIs need passport, visa, FATCA, and NRE/NRO bank details.
3. Is physical paperwork required?
In most cases, everything is 100% digital.
4. How do I track portfolio performance?
Through NJ Wealth app/portal, AMC statements, and periodic reports.
5. Can I change distributor?
Yes, if your investments are in regular plans — an ARN transfer request can be done.
6. Can I transfer my investments from other platforms?
Yes, if they are regular. Direct plans cannot be converted.
7. Can I pause/stop SIP anytime?
Yes, with no penalty.
8. Will I receive statements?
Yes — via email + consolidated account statements (CAS).
1. Are mutual funds risky?
Yes, all market-linked products carry risk — but risk varies by category and reduces significantly with long-term disciplined investing.
2. Do you guarantee any returns?
No. I do not, and cannot, guarantee any returns. Mutual Fund investments are subject to market risks. My role is to help you invest wisely and stay disciplined, not to predict or promise returns.
3. What returns can I expect?
No fixed return. Historically:
• Equity: 10–15% CAGR (long term)
• Hybrid: 8–12%
• Debt: 5–7%
4. What if the market crashes?
Crashes are part of long-term investing. Wealth is created through staying invested, not exiting emotionally.
5. Will SIP protect me from losses?
SIP reduces entry timing risk, averages cost, and supports discipline — but it does not eliminate risk.
6. Should I book profits regularly?
No — unnecessary booking disrupts compounding. Withdraw only for goal-based or rebalancing reasons.
1. Can NRIs invest in Indian mutual funds?
Yes, NRIs/OCIs can invest digitally through NRE/NRO accounts subject to FEMA and FATCA rules.
2. Are US/Canada NRIs allowed?
Some AMCs allow with additional compliance, while others restrict.
3. Can NRIs repatriate investments?
Yes, only if invested via NRE accounts; NRO funds follow annual limits.
4. Is physical presence in India needed?
No — digital onboarding is allowed.
1. Do I need to pay any separate advisory charges?
No separate advisory or consultation fee is taken from investors. All guidance, onboarding, planning and service support are included as part of the standard investment journey.
2. If there are no advisory charges, how are services provided?
Investors are supported through a regulated distribution and servicing model followed across the mutual fund industry, enabling personalised assistance without billing separate advisory fees.
3. What kind of support is included?
Goal planning, risk suitability, portfolio review, disciplined investing guidance, asset allocation support, and ongoing monitoring — helping you stay aligned with long-term objectives.
4. Why is guided investing beneficial?
Many investors prefer expert-supported investing to avoid confusion, over-research, impulsive decisions, and emotionally driven exits. Proper guidance and accountability often matter more in long-term wealth creation than one-time product selection.
5. Are there any hidden or surprise charges?
No hidden, surprise, or additional charges are taken by me. All mutual fund-related costs, if any, are published and disclosed by the respective Asset Management Companies (AMCs) as per regulations.
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