Discipline beats timing
We do not try to guess where the market goes next, and we will never claim we can. A fixed amount invested every month, through the good years and the ugly ones, is the part you can actually control.
AMFI registered distributor · Bangalore
Wealth is built slowly, deliberately, and on purpose.
A disciplined SIP, reviewed once a year and otherwise left alone, does more for your money than any attempt to time the market. That is the whole idea, and we hold you to it.
What patience tends to look like
IllustrationA shape, not a forecast. The dips are the point: they are normal, and sitting through them is where most of the reward comes from.
- Bangalore basedWorking with clients across India, in person or online
- One review a yearA structured annual check-in, and a phone we actually answer
- Plain languageNo jargon, no predictions, and no products you cannot explain
How we work
Four things we believe, and will keep repeating.
None of this is clever. It is just consistent, and consistency is what tends to be in short supply when money is involved.
Costs are worth arguing about
Every rupee you do not lose to unnecessary charges stays invested and keeps compounding. We keep your portfolio small, simple and cheap to run, and we tell you what we earn on it.
Goals come before products
A fund is only sensible once we know what the money is for and when you will need it. School fees in six years and retirement in twenty five are not the same problem.
Emotions stay out of the portfolio
The hardest moments are the panic in a falling market and the excitement in a rising one. Our job is to be the steady voice on the phone on both those days.
What we do
Five services, all of them straightforward.
Loans against mutual funds
Borrow against the funds you already hold instead of selling them, so your investments keep working while you handle a short-term need.
Apply for LoanPortfolio review
A clear-eyed look at everything you own today, what it costs you, and whether it still matches the life you are building.
Retirement planning
Work out what your later years will realistically cost, then build a monthly habit that gets you there.
Mutual funds & SIPs
A small number of well-chosen funds, bought automatically every month, with the paperwork handled for you.
Tax-saving investments
Use the deductions you are entitled to without locking your money into something that does not suit you.
Who we work with
If you have never invested before, you are exactly who we built this for.
There is no minimum amount of knowledge required to sit down with us, and no question that is too basic. Most of our best conversations start with someone saying they do not really understand any of this yet.
Salaried professionals
You have a steady income and no time to manage this. We set up a plan that runs on autopilot and takes an hour of your attention a year.
Young families
School fees, a home loan, and a retirement that feels far away. We sequence these goals so they stop competing with each other.
Business owners
Your income is lumpy and your wealth is tied up in the business. We build a portfolio outside it, and a way to raise cash without selling it.
First-time investors
You have never bought a mutual fund and you are not sure where to start. Ask us anything, twice if you like. No one here will talk down to you.
The annual review approach
Four steps, then mostly patience.
You do not need to watch your portfolio. That is our work, and we do it on a schedule rather than in reaction to headlines.
- 1
Set the goals
We sit down and put numbers and dates against the things you want. This is the part that makes every later decision easy.
- 2
Start the SIP
A small, clear set of funds and a monthly mandate. We handle the KYC, the forms and the follow-ups with the fund houses.
- 3
One structured review each year
Once a year we go through everything: what changed in your life, what drifted in the portfolio, what needs a nudge. You get it in plain language.
- 4
Stay the course
Between reviews the best action is usually none. When markets turn noisy, you have someone competent watching, so you do not have to.
Tools
Numbers to bring to the conversation.
Move the sliders and see how the maths behaves. These are starting points for a discussion with us, not a plan and not advice. What they cannot see is your income, your loans, your family or your taxes, and those are usually what change the answer.
SIP calculator
What a fixed monthly investment could add up to over time.
You invest
₹18,00,000
Illustrated growth
₹32,45,760
Value at the end
₹50,45,760
An illustration only. It assumes the rate you chose stays constant, which real markets do not. Actual returns will differ and are not guaranteed.
Lumpsum calculator
What a single amount, left alone, could grow to.
You invest
₹5,00,000
Illustrated growth
₹10,52,924
Value at the end
₹15,52,924
An illustration only. It assumes the rate you chose stays constant, which real markets do not. Actual returns will differ and are not guaranteed.
What kind of investor are you?
Five questions about temperament and time, not about money. It gives us a shared starting point before we talk.
0 of 5 answered
Loan Against Mutual Funds
Need cash? You may not have to sell a single unit.
Selling your investments to cover a wedding, a medical bill or a gap in business cash flow is an expensive way to solve a temporary problem. A loan against your mutual fund holdings lets you pledge the units instead, so the money you have patiently built up stays where it is.
Apply for LoanOpens our lending partner in a new tab.
- 01
Your units stay yours
The funds remain invested in your name and keep tracking the market, so a short-term need does not end a long-term plan.
- 02
No exit load, no capital gains event
Because you are not redeeming, you do not trigger the tax and exit costs that come with selling units.
- 03
Interest on what you use
It works as a credit line against your holdings. You draw what you need and pay interest on that portion only.
- Eligibility, the loan amount and the interest rate are set by the lender after its own assessment. Borrowing against investments carries risk: if the value of the pledged units falls, the lender may ask you to top up. Talk to us before you decide.
Mutual funds
Look up any scheme before you talk to us.
Every mutual fund scheme in India, with its latest NAV and returns, searchable right here. Useful homework before a conversation, not a substitute for one.
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Get in touch
Let us start with a conversation, not a product.
Tell us where you are and what you are trying to sort out. We will listen first, explain the options in plain language, and only then talk about what to actually do.
- Practice
- Yenmo Technologies Private Limited
- Based in
- Bangalore, India
- We work with clients
- Across India, in person in Bangalore and online everywhere else
- Best way to reach us
- The form alongside. It comes straight to us.
Already a client and need money without disturbing your portfolio? You can apply for a loan against your mutual funds and keep your units invested.