Frequently asked questions

MJ Wealth (Manish Joshi Wealth Advisory) offers goal-based financial planning, mutual funds, PMS & AIF, health & life insurance, retirement and estate planning — all under one roof in Pune.

Book a free financial review using the 'Book Consultation' button, or call/WhatsApp us. We'll understand your goals first, then suggest a plan — advice first, products later.

Yes. The first financial review is completely free and carries no obligation.

Manish Joshi is the founder of MJ Wealth, a Certified Financial Goal Planner with 17+ years of experience guiding 200+ families.

No. You can start a mutual fund SIP with as little as ₹500 per month. We tailor the plan to your situation.

Office No. 204, Sai Crystal Plaza, Handewadi Road, Hadapsar, Pune - 411028.

Financial Planning, Mutual Funds, PMS & AIF, Health & Life Insurance, Retirement Planning, and Estate & Succession Planning.

We tie every rupee you invest to a real-life goal — a home, your child's education, retirement — with timelines and target amounts, then track and adjust it over time.

Yes. We map your income, expenses, assets and liabilities and build a written, goal-based roadmap you can act on.

We review with you at least annually, and rebalance as markets and your life change.

Yes — one advisor for mutual funds, insurance, PMS/AIF, retirement and estate planning, coordinated together.

Yes. We help NRIs invest in India with NRE/NRO-compliant accounts, FEMA-aware planning and remote reviews across time zones.

A Systematic Investment Plan lets you invest a fixed amount every month into a mutual fund, building discipline and averaging out market ups and downs.

Most funds allow SIPs starting at ₹500/month.

It depends on your cash flow and goals. SIPs suit regular savers; lump sums suit windfalls. We help you choose the right mix.

We select a mix of equity, debt and hybrid funds matched to your goals and risk profile — see live top funds by category on our Mutual Funds page.

Yes — our Mutual Funds service page shows live NAVs and 1Y/3Y/5Y returns for top funds in each category.

Equity-Linked Savings Schemes are tax-saving mutual funds eligible under Section 80C, with a 3-year lock-in.

Yes, SIPs are flexible — you can pause, modify or stop them. We'll guide you so it doesn't derail your goals.

Taxation depends on fund type and holding period (equity vs debt, short vs long term). We help you plan tax-efficiently — but consult a tax advisor for specifics.

Term life cover, health/mediclaim, and savings-linked plans (ULIPs) where appropriate — sized to your needs, not sold to you.

A common rule is 10–15× your annual income, adjusted for liabilities and goals. We calculate the right figure for you.

Term plans are pure, low-cost protection. ULIPs combine insurance with investment. We recommend based on your goals — usually protection first.

Yes — we help choose family health cover with the right sum insured and features, and assist at claim time.

Yes. We review existing policies to check for gaps, overlaps or overpriced cover.

It depends on your expenses, inflation and longevity. Use our Retirement Calculator for an estimate, then we refine it together.

Yes — SIP, Retirement and Goal-planning calculators are on the Tools page, each with a growth chart.

We project the future cost, then design a SIP/investment plan to reach that corpus in time.

The National Pension System is a retirement-focused, tax-advantaged scheme. We advise whether and how it fits your plan.

Through strategies like SWP (Systematic Withdrawal Plans) and a careful asset mix that balances income and capital preservation.

Yes — we plan tax-efficiently around Section 80C (ELSS, insurance), NPS, capital gains and more, integrated with your overall plan.

ELSS funds, life insurance premiums, PPF, NPS, principal on home loans and more, up to ₹1.5 lakh per year.

Rates differ for equity vs debt and short vs long holding periods. We help structure investments to be tax-efficient.

At the start of the financial year — not in March. Early planning lets you use SIPs and avoid last-minute decisions.

We focus on tax-efficient planning. For filing, we can coordinate with a qualified tax professional.

Portfolio Management Services are professionally managed, higher-conviction portfolios for larger investors, with transparent reporting.

Alternative Investment Funds are pooled vehicles (Category I, II, III) offering strategies beyond traditional mutual funds, for qualifying investors.

Typically HNIs with larger portfolios seeking diversification and professional, concentrated management.

PMS in India generally requires a minimum of ₹50 lakh. AIF minimums are usually ₹1 crore. We'll confirm specifics for each product.

Usually PAN, Aadhaar, a bank account and a photograph for KYC. We guide you through the full process.

We help you complete mutual fund KYC online or with physical forms — it's a one-time process.

You'll get consolidated portfolio reporting, and you can log in to the investor portal (Investor Login button in the header).

Your money is always invested in your own name with the fund houses/registrars — MJ Wealth acts as a distributor and advisor, never holding your funds.

For mutual funds we're compensated via standard distributor commissions built into the product. Any advisory fees are disclosed upfront — no hidden charges.

Yes. Your details are used only to contact you and manage your investments, and are never sold.