Money, Made Boring
on Purpose.
FinSet is an India-focused mutual-fund distributor that puts the order before the product. Protection comes before returns. Discipline beats intelligence. And we’ll tell you, out loud, when a product isn’t worth buying.
Guidance is free. No flat fee. No pushy calls. Income is honest — trail commissions on mutual funds and insurance. That’s it.
Four Ideas We Won’t Compromise On.
Protection before returns
A 20% return on an un-insured life is a bad trade. Cover first, compound second.
Discipline beats intelligence
A boring SIP kept for 25 years will outpace most “clever” portfolios.
Equity is essential
For 10-year+ goals, nothing else keeps up with inflation in India.
Bad products get named
ULIPs, endowment, NFO hype, thematic funds, PMS, AIFs. We’ll tell you why.
Non-Negotiable. In This Exact Order.
No step may be skipped or reversed. We’ll say this often, because the whole financial-services industry works hard to make you forget it.
Emergency fund
6 months of expenses, in a liquid fund. Set up on purpose, not by accident.
Health insurance
Own floater for every dependent. Your employer policy is a bonus, not a substitute.
Term life cover
Pure term. 15–20× annual income. No endowment. No ULIP.
Insure major assets
Vehicle, home, big equipment. Practical, not emotional.
SIP for retirement
Equity-heavy when young. Proper asset allocation as you age.
SIPs for goals
One SIP per goal. Child’s school, house, sabbatical. All named.
Latest Reading.
Notes from FinSet on money, the 6-step order, and what to avoid. Updated as we publish.
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Things FinSet Will Never Do.
If you came looking for a shortcut, this isn’t the place. We’d rather lose the sale than earn a bad one.
- Speculation, trading, “quick returns”
- ULIPs and endowment policies
- NFO hype and thematic funds
- PMS and AIFs for mass-market investors
- Return guarantees of any kind
- Sugar-coating a bad financial habit