Frequently Asked Questions (FAQs)

We offer a wide range of wealth management and advisory services including:
Mutual Funds
Portfolio Management Services (PMS)
Alternative Investment Funds (AIF)
Stock Broking & IPO
Sovereign Gold Bonds (SGB)
Life & Health Insurance
Loans

You can begin by booking a free consultation with our advisors. We will assess your financial goals, risk profile, and investment horizon. After a quick risk assessment and KYC, we recommend suitable investments for you.

We combine data-driven insights with personalized financial planning. Our focus is on long-term wealth creation, tax efficiency, and transparent advice, ensuring your money works harder for you.

Yes. We do not hold client funds directly. All investments are made through SEBI-registered mutual funds, PMS, AIF providers, and IRDAI-approved insurers, ensuring complete security and compliance.

Mutual Funds: As low as ₹500 through SIP
PMS: ₹50 Lakhs (as per SEBI regulations)
AIF: ₹1 Crore (as per SEBI regulations)
SGB: 1 gram of gold equivalent

Yes. We provide ELSS funds, insurance products, and other tax-efficient investments under relevant sections of the Income Tax Act.

Our initial consultation is free. Further, advisory charges or commissions depend on the chosen product category, and we ensure full transparency in our fee structure.

“NO, We don’t manage money directly. Investments are made only through SEBI-registered funds and insurance companies via Prudent”

Mutual funds pool money from investors to invest in equities, bonds, or other assets, managed by professional fund managers.

You can start a SIP with as little as ₹500 per month in most mutual funds.

SIP: Regular monthly investments.
Lumpsum: One-time investment.
STP: Shifting money between funds systematically.
SWP: Withdrawing money periodically.

The best fund depends on your goals, risk tolerance, and investment horizon. We provide tailored recommendations.

Yes, SIPs are flexible. You can pause, stop, or restart anytime.

No. Returns depend on market performance. However, historically mutual funds have created wealth over the long term.

PAN, Aadhaar, and bank details are required for KYC compliance.

Mutual funds are regulated by SEBI. Market risks exist, but they are managed by professional fund managers.

Sovereign Gold Bonds (SGBs) vs. Physical Gold
SGBs:
– 24-karat gold purity, backed by RBI
– 2.5% annual interest
– No making charges
– Tax exemption on capital gains if held until maturity
– Secure and cost-effective storage
Physical Gold:
– Incurs making charges
– GST applicable
– Storage and security concerns
Yes, SGBs offer a convenient, cost-effective, and secure way to invest in gold, with added benefits of interest earnings and tax exemption.

Yes, we offer investment opportunities in high-quality corporate bonds.

AIFs are privately pooled investment vehicles that invest in alternative asset classes.

AIFs are designed for HNIs and institutional investors.

₹1 crore is the minimum investment as per SEBI.

Category I: Start-ups, infrastructure.
Category II: Private equity, debt funds.
Category III: Hedge funds, derivatives.

Yes, AIFs carry higher risk but also higher return potential.

Portfolio Management Services (PMS) offer customized stock and bond portfolios managed by professional fund managers for HNIs.

In PMS, your portfolio is managed individually, unlike mutual funds where assets are pooled.

The minimum investment is ₹50 lakh, as per SEBI regulations.

PMS is regulated by SEBI.

No. PMS returns depend on market performance, but portfolios are actively managed.

Yes, PMS strategies are tailored to your needs.

Generally, PMS has no lock-in, but exit loads may apply.

Taxation depends on asset class and holding period, as per Income Tax laws.

Yes, investors receive detailed portfolio and performance reports.

Yes, NRIs can invest in PMS subject to FEMA compliance.

You can reach us through:
Email: arthikwisdom@gmail.com
Phone: +91 8454802509
Office: Mumbai
Or simply use the Contact Us form on our website.