Fund Selection Policy | Vinay Kumar Singh

1. Selection Process

Step 1 - Risk Profiling: Structured questionnaire covering age, income, investment horizon, and financial goals
Step 2 - Scheme Mapping: Map risk category to fund categories using SEBI Riskometer
Step 3 - Evaluation: Assess 3Y/5Y returns, fund manager, AUM, expense ratio, AMC track record
Step 4 - Recommendation: Present suitable options. Final decision always rests with investor.

2. Suitability Matrix

Risk Profile	Suitable Categories	Avoid	Horizon
Conservative	Liquid, Overnight, Short Duration Debt, Conservative Hybrid	Small Cap, Sector Funds	< 3 years
Moderate	Balanced Hybrid, Large Cap, Multi Cap, Index Funds	Small Cap, High Credit Risk Debt	3 - 7 years
Aggressive	Flexi Cap, Mid Cap, Small Cap, ELSS, Thematic Funds	Pure Debt for growth goals	> 7 years

3. Conflict of Interest Declaration

Vinay Kumar Singh declares that ALL fund recommendations are based solely on investor risk profile and financial goals. Commission rates from AMCs DO NOT influence our recommendations. No proprietary or preferential relationship with any AMC.

4. Unsuitability Declaration Process

If investor chooses outside risk profile: (1) Vinay Kumar Singh informs them in writing. (2) Investor signs an Unsuitability Declaration. (3) Transaction processed only after signed declaration received.

Last Updated: August 2026

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Fund Selection
Policy

1. Selection Process

2. Suitability Matrix

3. Conflict of Interest Declaration

4. Unsuitability Declaration Process

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