Questions we're asked first

Sorry, we don’t deal in direct stocks.

Our approach is centered around long-term investing through Mutual Funds and Managed Portfolios, and we’ve seen consistent success with it.

In fact, our entire family’s wealth is being built using the same strategy — by staying disciplined, diversified, and focused on the big picture.

We believe in keeping it simple and goal-oriented — not chasing short-term stock tips.

It truly depends on who you are and how you behave.

While we guide every client based on their individual risk–return profile, the actual outcomes vary depending on how consistently they follow the recommendations. Historically, over a 10-year horizon, most of our investors have earned between 10%–15% per annum.

But of course, past performance is not a guarantee of future returns.

We focus on long-term, goal-based investing — not predicting numbers, but helping you stay the course to achieve them.

We believe long-term wealth creation is not about picking the “best” fund — in fact, fund selection contributes only about 5% to portfolio success.

What truly matters is:

• The right asset allocation based on your goals and risk profile
• Timely rebalancing to stay on track
• And focusing on the performance of the overall portfolio, not just individual funds

We’re here to help you build a disciplined, goal-based investment strategy — not chase top-performing funds that may change every year.

You have two options:

Number 1 — Continue with your existing Direct Plans

You can retain your current investments in Direct Plans and start fresh investments in Regular Plans under our guidance.

However, please note — we won’t be able to track or support your existing Direct Plan investments, as live returns don’t appear on our platform.

Number 2 — Switch entirely to Regular Plans

You may choose to redeem your Direct Plan investments and reinvest in Regular Plans.

This option allows us to guide and service your entire portfolio in one place, enabling more holistic and coordinated decision-making.

Important: Redeeming Direct Plan units may trigger capital gains tax.

We recommend consulting your tax advisor before making this switch. Otherwise, we can help you with the tax calculation.

If you’re already in Regular Plans and are unhappy with your current Mutual Fund Distributor, you don’t need to redeem or sell anything.

With your consent, we can transfer your portfolio under our ARN code, allowing you to:

• Retain all your existing holdings
• Get your portfolio tracked and reviewed by us
• Receive goal-based guidance and service from the Zova and ZFunds team

Once the portfolio reflects on our dashboard, we can help you with consolidation, suitability checks, and portfolio improvements if needed.

At Zova Wealth, we manage your money the same way we manage our own — with care, conviction, and complete alignment.

Skin in the Game

• We invest your money in the same type of investments where we’ve put our own hard-earned savings.
• We prefer simple yet effective investments — not fancy products, just sound choices we believe in.
• We stick to the basics of long-term investing — it may not sound fashionable, but it works.
• Our focus is on helping you achieve your financial goals, not just chasing short-term returns.

Chasing outperformance often leads to poor decisions

• Our focus is on helping you achieve your goals — not on beating the market every year.
• The two traits we value most? Discipline and Patience. Buy right, sit tight. The third ingredient — luck — is out of our control.
• We aim to harness the real power of compounding by staying invested through market ups and downs.

In short, we practice what we preach — and we walk the journey with you.