PlanYourMoney

Investing in mutual funds is simple. Investing well — with the right funds, the right allocation, and the discipline to stay the course — is where most people need a second opinion.

Is this for you?
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You’re already doing SIPs but your portfolio has no clear structure
You want a second opinion before a big lump sum or SIP increase
You’ve felt the urge to exit during a correction and wish someone had stopped you
You want someone to stay involved — not just set up the investment and disappear

Families Guided

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Assets Under Guidance

Bull & Bear Markets

What you get — in plain terms
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A goal-based portfolio plan

Not just fund names

We map your investments to specific goals — retirement, child's education, home purchase — with a timeline and a number attached to each one.
A plain-language portfolio review

No jargon

I tell you what's working, what isn't, and exactly why — including whether you'd be better off in direct plans.
Ongoing involvement

Not a one-time call

Periodic reviews, rebalancing when needed, and someone to call before you make a decision you might regret.

How I earn — upfront
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I earn a trail commission from fund houses (typically 0.5%–1% per year of your invested amount). This is already built into the fund’s expense ratio — you pay nothing extra to me. If direct plans are the better choice for your situation, I will tell you that in our first conversation.

Understand exactly how this works →

What clients say
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“Subramanian has been managing my goal-based portfolio for several years. He provides unbiased advice and ensures disciplined investing aligned to goals.”
— Ramachandran G, Services Leader, Global MNC, Bengaluru