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.
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 uninsured life is a bad trade. Cover first, compound second.
Discipline beats intelligence
A boring SIP kept for 25 years will outpace most “clever” portfolios.
Time makes equity 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.
Six Steps. 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.
Read the guide → 02Health insurance
Own floater for every dependent. The employer policy is a bonus, not a substitute.
Read the guide → 03Term life cover
Pure term. 15–20× annual income. No endowment. No ULIP.
Read the guide → 04Insure major assets
Vehicle, home, big equipment. Practical, not emotional.
Read the guide → 05SIP for retirement
Equity-heavy when young. Proper asset allocation as you age.
Read the guide → 06SIPs for goals
One SIP per goal. Child’s school, house, sabbatical. All named.
Read the guide →Things 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. Our own pay gets the same test, so our cited guides explain what the regular versus direct gap costs.
- 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
Every fact, dated and sourced. No buy or sell call.