A mutual fund pools money from multiple investors to invest in stocks, bonds, or other securities. It is managed by professional fund managers.

 Investors buy “units” of the mutual fund. The value of these units, called net asset value (NAV), changes based on the performance of the fund’s underlying investments.

• Equity Funds: Invest in shares of companies (high return, high risk)
• Debt Funds: Invest in bonds/securities (low to medium risk)
• Hybrid Funds: Mix of equity and debt
• ELSS Funds: Tax-saving funds with a 3-year lock-in

NAV (Net Asset Value) is the price per unit of a mutual fund. It is calculated at the end of each trading day.

Mutual funds are market-linked and carry risks. However, they are regulated by Securities and Exchange Board of India (SEBI) and managed professionally. It is a safe investment tool when backed by expert advice, goal-based planning, and long-term discipline.

SIPs, Investment & Portfolio Management

 SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly (monthly/quarterly) into a mutual fund.

You can start SIPs with as little as ₹500/month, while lump sum investments usually start from ₹1,000 in most funds.

Yes. SIPs can be paused, modified, or canceled anytime through our support team or online platform.

Absolutely. Diversifying across fund types helps manage risk and improve returns.

There are no penalties, but missing SIP installments may impact your long-term goal progress. We recommend keeping your bank account funded.

Performance Monitoring & Reviews

We provide access to a digital dashboard, monthly statements, and periodic review reports.

We recommend reviewing your portfolio at least twice a year or whenever there is a major change in your financial life or market conditions. At Mentor Wealth, we provide scheduled portfolio reviews and notify you if adjustments are needed, such as rebalancing, fund replacements, or goal-based adjustments.

 We always evaluate performance in the context of your goals, time horizon, and risk tolerance before suggesting any change. Rest assured, you’ll be informed proactively if any corrective action is needed — we manage, monitor, and guide every step.

Taxation & Compliance

• Equity Funds:
  • <1 year: 15% Short-Term Capital Gains Tax
  • 1 year: 10% Long-Term Capital Gains (after ₹1L exemption)
    
    
• Debt Funds (as of April 2023):
  • Taxed at your applicable income slab

No. Tax is applicable only when you redeem units, not during the investment phase.

Yes, ELSS (Equity Linked Saving Scheme) funds are eligible for up to ₹1.5 lakh deduction under Section 80C.

Yes. We provide capital gains statements annually to help with your tax filings.

Process, Documentation & Support

• PAN card
• Aadhaar (linked to mobile)
• Bank account details
• A passport-size photo (digital)
• KYC verification

No, mutual funds don’t require a demat account. Your investments are held in a folio.

Yes. You can open folios for minors (as guardian) or dependents. Each investor must complete KYC and folio separately.

Your nominee (declared at the time of investment) can claim the investment with proper documentation. We assist in the entire process.

You can reach our team anytime via:

• 📧 Email: enquiry@mentorwealth.in
• 💬 WhatsApp: +91 9211744540
• 📞 Phone: +91 77038 05360

Our team is here to assist you with queries and provide regular check-ins and portfolio reviews.

Security, Transparency & Our Role

Yes. We use bank-grade encryption, comply with SEBI & AMFI regulations, and never share your data without consent.

We act in your best interest by:

• Understanding your goals and risk profile
• Designing a personalized portfolio
• Monitoring performance
• Rebalancing when needed
• Offering proactive, unbiased advice

If we operate on a commission model, we may receive compensation. However, all relationships are transparently disclosed, and your goals remain our top priority.