GENERAL :

 What is our mission statement?

We endeavor to know and understand your financial situation and provide with highest quality
service and advice to help reach your goals.

 How do you come up with your model portfolios?

We use historical risk, return and correlation information to combine asset classes in proportions
that will give us the highest expected return for different levels of risk. For a more detailed
description please read more on our methodology.

 How do you forecast how the portfolio may perform over time?
We use historical information and then run thousands of simulations on how the market may
perform over time (our Finance team loves running Monte Carlo simulations). We end up with a
range of outcomes and the wealth charts in our asset allocation module illustrate this data. Please
note that past performance does not guarantee future results and that we use past performance
only as an indication of potential future results.
 How often will you make changes to my portfolio?
Your account(s) will be traded only when our investment strategy dictates a change.  We have no
incentive to trade your account(s) other than to follow our investment strategy.  We do not get
paid any commissions on transactions ; therefore we have no incentive to trade more than
necessary.
 How often will I get account statements?
Your account(s) custodian sends you monthly statements and trade confirmations either by mail
or email.  RWM also provides a comprehensive customized quarterly report to you by mail. 
What is Wealth management account?
What is Goal Management?
What are the different types of accounts?
What are the different types of funds offered?
Mutual Fund FAQs??

 How does Mutual Fund work ?

Mutual Funds are financial intermediaries registered and authorized by SEBI(Securities and
Exchange Board of India) to carry on the mutual fund business in India. They are companies set
up to receive your money, and then having received it, make investments with the money via an
AMC(Asset Management Company).

It is an ideal tool for people who want to invest but don't want to be bothered with complexity of
choosing the right shares or bonds for investment. A mutual fund manager proceeds to buy a
number of stocks from various markets and industries. Depending on the amount you invest, you
own part of the overall fund
 What are the types of Mutual Funds ?
Primarily, there are two kinds of funds. Equity funds and Debt Funds.
Equity Funds are high risk funds which tend to provide growth to investments by investing in
stocks of companies, over long period of time say, 5-10 years. Debt Funds invest in bonds and
money market instruments and try to preserve the capital and generate moderate income over
shorter periods of time.

Both Equity and Debt funds could further be classified into sub categories depending upon the
objective of the fund.
 Why should I invest in Mutual Funds ?
Mutual Funds are simple, low cost, liquid and transparent investment options.
There are various kinds of mutual funds to cater different needs of investors. Mutual funds
provide investment options for short duration investment as well as for long term, from high risk-
high return to low risk-moderate return.

Mutual funds are tax efficient in nature. Nomination and Joint Holding in mutual funds provides
easy wealth transfer from one individual to another in case of unforeseen circumstances.
 Where does Mutual Fund invest investor’s money ?
Mutual Fund invests investor’s money in shares/bonds/money market instruments depending
upon the objective of the scheme. An Income scheme may invest the money in bonds and money
market instruments whereas a growth oriented scheme may invest in stocks of promising
companies
  Are all Mutual Funds risky ?
All mutual funds do not guarantee capital safety, hence risky in nature. However, the degree of
risk varies in different kinds of mutual funds. An Equity fund may be the most risky and volatile
fund whereas a Liquid Fund may be a low risk and least volatile fund.

 Why should I invest in Mutual Funds ?

Mutual Funds are simple, low cost, liquid and transparent investment options.

There are various kinds of mutual funds to cater different needs of investors. Mutual funds
provide investment options for short duration investment as well as for long term, from high risk-
high return to low risk-moderate return.

Mutual funds are tax efficient in nature. Nomination and Joint Holding in mutual funds provides
easy wealth transfer from one individual to another in case of unforeseen circumstances

 How do I choose the right Mutual Fund for myself ?

Choosing the right mutual fund is dependent upon the goal you wish to achieve as an investor. If
you are looking for growth over a long period of more than 5 years and ready to take risk on
capital, Equity and Balanced Funds are the right vehicle. If you are looking for regular income
with low risk and volatility, then Debt Funds can be considered.

Savings Manager compares various mutual funds for every specific goal and suggests the most
attractive schemes available in an easy format.