What we do
What You Can Expect from Us
Accountability
Through our practices we ensure that every recommendation, decision & action suggested is justifiable, transparent and rooted in sound financial logic. In short, we work for you. We are motivated by the idea that through your success comes ours - not the other way around. This premise in place, we can with mutual confidence begin our journey together.
I'm RaVi
I am RaVi, practicing in financial services domain since 2002 and this has helped me to assist several investors to make smarter and informed investment decisions with their money. I believe, for any financial advisor more than his qualification an certification experience is the biggest asset. Have dealt with all investment products, starting from Post Office Savings schemes to Equities, Mutual Funds, Portfolio Management Schemes, Private Equity, Real Estate PMs, Structured Products, AIFs and the rest, which helps me to guide my clients in choosing a right product & process to attain their financial independence.
Thanks for visiting Fund Wallet.
AMFI Registered Mutual Fund Distributor since 15/04/2016
ARN No-111231 | ARN Validity - 03/11/2028
Products Offered & Our Philosophy
Building resilient financial frameworks for long-term wealth creation.
Mutual Funds
Diversified investment solutions aligned with your financial goals and risk appetite.
Alternate Investment Funds
Curated alternative investment opportunities for sophisticated wealth strategies.
Corporate Fixed Deposits
Stable fixed-income investment options designed for predictable returns.
Our Thought Process
Our approach is centered on building resilient financial frameworks for your portfolio that operate quietly in the background—adapting over time, protecting during volatility, and growing with clear intent. We replace speculation with strategy, emotion with process, and ambiguity with clarity.
Markets will rise and fall, but families and its legacies must continue. We believe sustainable wealth is created when decisions are guided by clarity, discipline and foresight rather than emotion or noise. And strongly feel that’s where our role as a Distributor of Financial Products will play.
Every recommendation of us is backed by evidence, aligned with client’s purpose, and reviewed continuously as life and markets evolve. We do not aim to predict the future; we prepare you for it.
"We do not aim to predict the future; We prepare you for it."
We strongly feel that true success in portfolio management is not measured by short-term performance, but by stability of portfolio and peace of mind during uncertain times across generations.
Commission Disclosure
As per SEBI guidelines, we have disclosed the various commissions received by Fund Wallet (ARN-111231) from mutual fund companies below. I pledge that our service and advice is no way related or influenced by the commission we receive.
The table below shows the indicative trail commission rates received from various AMCs under different product categories. Actual commissions may vary slightly across schemes and share classes as per AMC-defined slabs and SEBI regulations.
| S.No | Mutual Fund Type | Commission Method | Rate Range |
|---|---|---|---|
| 1 | Liquid Funds | Trail | 0.05% - 0.15% |
| 2 | Debt Funds | Trail | 0.10% - 0.80% |
| 3 | Hybrid Funds | Trail | 0.20% - 1.30% |
| 4 | Equity Funds | Trail | 0.30% - 1.20% |
| 5 | ELSS Funds | Trail | 0.30% - 0.90% |
| 6 | International Funds | Trail | 0.30% - 1.20% |
Key Disclosures
- Fund Wallet receives only trail commissions from Asset Management Companies (AMCs). No upfront commissions or incentive-based commissions are accepted.
- Investors may refer to their Consolidated Account Statement (CAS) issued by the Registrar or the AMC, which reflects the total commission paid to distributors for their investments.
- I do not receive any remuneration, gifts, or non-cash benefits from AMCs or their associates that could give rise to a conflict of interest.
- Any changes to the trail commission structure will be disclosed on this website on a quarterly basis, in accordance with AMFI guidelines, and are subject to change without prior notice.
- We shall not be responsible for individually informing customers of any changes to this Commission Schedule, other than through updates posted on this website. Customers are advised to review the latest commission details on the website prior to making any investment.
- Investments made through regular plans involve the payment of commissions to distributors.
- Transaction Charges: Fund Wallet has opted out of transaction charges for all mutual fund schemes. Accordingly, no transaction charges will be applicable on purchases of mutual fund products.
Limitation of Liability
To the fullest extent permissible under applicable law, we shall not be liable for any direct, indirect, incidental, special or consequential damages, or for loss of profits or revenue, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your access to or use of or inability to access or use the Platform
- Any conduct or content of any third party on the Platform
Disclaimer
The opinions expressed in the Blog are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific investment product. It contains even my personal experience about investments and financial planning. These experiences would help you to know practical situation on ground. However, one should NOT consider such personal experiences as recommendation. It is only intended to provide education about the financial industry.
Invest With Fund Wallet
What We Do
Create & Grow Wealth
Growing wealth is the result of careful planning and disciplined follow up.
Manage Cash flows
What remains at the end of the month is the primary source of wealth.
Retirement Planning
Should you stay invested in FD? Any best alternative available?
Perennial service
Communicate with clients regularly, coordinating with various manufacturers, re-balance portfolios, track portfolio growth vs goals & much more.
What We Don't Do
Predict market movement
Indeed, we don't think anyone can but that does not stop people from trying. Instead, we use asset allocation to get the best of both worlds in investing.
Find the best fund
(Again, the best fund is known after it becomes best not before!) instead we focus on total portfolio return (how much your investment has grown totally and not what each single investment did)
Chase flavour of the season
We don't chase what is the current flavour of the market (the flavour may not last and is uncertain but retirement is certain!) Instead, we focus on if something makes sense for your goals.
